davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX XXXXXXXX I got ohone call from portfolio recovery threatening legal action against me for a debt XXXX XXXX thr is XXXX yrs old are they XXXX in the amount of {$860.00} they are past state of limitations for XXXX fir XXXX they're threatening legal action which is illegal harassment and stressful if they cont they'll have a court case on em alright it won't b what they're expecting tho I promise them tht
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am very frustrated with the customer service for Bank of America credit cards. Whenever I try to call I have a very long wait but I can never bypass the automated system and it is very frustrating to say the least. I can not view my account on my XXXX  phone in the app as I should be able to do. I have about XXXX other credit cards and have no problem doing this but Bank of America doesn't make it easy and then you can't get through to them. A few days ago I was able to get through but it took over XXXX minutes being on hold. Today, XXXX XXXX, 2024 the automated system would not even put me through and then disconnected me. This is totally unacceptable.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$71.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : Equifax XXXX XXXX, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my Equifax and XXXX report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and XXXX states Charge off and Equifax states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to Equifax XXXX XXXX XXXX and XXXX on XX/XX/XXXX. 

- XXXX, Equifax and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by SPRING OAKS CAPITAL LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : 1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. 
Specifically, I am seeking : XXXX. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
XXXX. Detailed list of payments I made on this debt XXXX. Insurance claims claim filed on this debt XXXX. Signature I put on contract guaranteeing that I will pay Spring Oak Capital, LLC XXXX. Proof of chain of title to collect on this debt XXXX Requesting a purchase agreement between the collection agency, the original creditor myself, requested information needed within 15 days. Still have not received it. Proof of chain of title to collect on this debt
Consumer complaint received 2022-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Here 's another derogatory account that I've been disputing for couple of months already but it really seems that you guys is taking my complaint for granted. Delete the item below at once! 

XXXX XXXX XXXX  Account # : XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (IN)

This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, account # XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. Status I have a right to provacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written istructions.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXX XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Subject : Urgent Request for Removal of Fraudulent Debt and Cease of Illegal Collection Practices Dear CFPB Representative, I am writing to seek your immediate assistance with a serious issue concerning a fraudulent debt that has been reported on my credit file. Recently, I requested from the collection company, Genis Credit Management, the original signed contract, payment history, and proof of ownership of this alleged debt. The information that was sent to me was clearly forged and falsely signed.

To address this matter, I sent letters and a copy of my identification to the three major credit bureaus, informing them of the fraudulent nature of the documents and that this is a case of identity theft. However, the credit bureaus responded that the debt had been verified. I find it deeply concerning that a debt can be validated when the signature on the document is not mine. 

I therefore request that this fraudulent debt be removed from my credit file immediately under the doctrine of Estoppel by silence, as supported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I must presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. 

In addition, Genis Credit Management has been adding fees to this fraudulent debt each month, further damaging my credit report. Despite my explicit request for no contact, the company continues to call me, often in a rude and combative manner. These actions are not only unethical but also illegal. 

Given these circumstances, I urgently request that the CFPB intervene to ensure that this fraudulent debt is removed from my credit file and that Genis Credit Management ceases its illegal collection practices immediately. Please let me know if you require any further information or documentation to assist in this matter. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to correct the late open account from my credit report. This fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The account have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your help to correct this account in my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, XXXX XXXX notify them that the debt was paid,