davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  '' the financial institution and the Consumer reporting agencies, Equifax and XXXX, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 consent.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-06
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd ()

Wise closed my account from XXXX of XXXX and has final respond to make refund for my remaining balance but they still not send it to me. 

They already asked me about refund account details. 

I've tried to contact many times but they still have not make refund to me till now.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (WA)

that reminds me the Department of Education and Nelnet are in the process of forgiving me of my loans but it hasn't shown up on my credit report yet I'm wondering why why should it take until XXXX to do so
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NV)

On XX/XX/2024 an account was illegally reported to my XXXX credit report without prior verification or validation of debt. Violating my consumer rights under the FTC, FCRA, CFPB, and the GLBA rules and guidelines. After several unsuccessful attempts to receive information on this debt. I find this account to be fraudulently reported with the presumption to damage my finances, my credit, and my livelihood. The lack of transparency is unacceptable.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NV)

I am writing to request the deletion of inaccurate and fraudulent accounts, inquiries, and information present on my consumer credit reports and to bring to your attention the failure of FactorTrust to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent a certified a dispute letter to this company requesting verification of these accounts, inquiries, and information as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company but consumer report request. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, FactorTrust has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts, inquiries, and inaccurate information on my credit report immediately. 

I formally request FactorTrust to remove the disputed accounts, inquiries, and information from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2024-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I received a letter from the U.S. department of education stating my student loans are being discharged and I no longer had to make payments on them. Nelnet has taken out payments and Ive had to ask for forbearance multiple times which has incurred interest. Legally they were supposed to put my loans on forbearance without interest until the loans were discharged.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

A service hired by TD Bank to handle delinquent accounts during the pandemic, is not accurately reflecting agreement reached, payments, made, or indebtedness. If I paid the full debt, at a reduced speed, there was to be no negative report. I complied, in fact, paying it off around a year earlier than the plan. When a {$100.00} past due error was discovered on my credit account, I called and confirm with TD that my account was paid in full, and their records accurately reflected this. Their service provider, XXXX XXXX XXXX retaliated against me for calling them out for inaccurately reporting that I had this amount remaining due. They updated my credit report to instead claim that over XXXX XXXX XXXX has been written off, and are challenging my disputes.
Consumer complaint received 2024-07-06
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. (CA)

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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  Balance : {$440.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

1. On XX/XX/XXXX I sent CAPITAL ONE a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2.By CAPITAL ONE still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5
U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016.

4. CAPITAL ONE duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. CAPITAL ONE has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Regards Consumer Financial Protection Bureau In the last 10 months I have been disputing an account with the credit company XXXX and XXXX XXXX XXXX XXXX XXXXXXXX who purchased the account after being removed from the credit in XXXXXXXX  for fraud. In addition, the account appears to belong to XXXX XXXX XXXX and my last name is XXXX XXXX not XXXX, so it is evident the account is completely fraudulent. Since then this collection agency continues to illegally update the account over and over again so that it appears to be a new account from this year. First of all, I did not sign or open an account with XXXX, much less with Capital One. They are breaking the laws by reporting an account from XXXX that was through identity theft and they have to eliminate it out of obligation due to fraud, second because of the last name it doesn't match. And they can't continue harassing me if the debt is NOT mine and I have to pay it if they are not going to send me to court. Those are very strong and misplaced threats. XXXX keeps telling me that the account was verified by XXXX XXXX, but it does not send me documents of how it was verified. Even though you are sending a police report indicating that you have been a victim of identity theft for several years, I documented the police report, a notarized statement. FTC report and still the account continues to appear in my credit with all my efforts in vain for it to be blocked due to identity theft, and the other 2 agencies XXXX and XXXX have blocked it but XXXX has still refused to do so. 
I am writing to you to investigate and help me with this case as soon as possible. 
The account in reference is from XXXX XXXX ( Capital One ) and XXXXXXXX XXXX 
FTC REPORT # XXXX
Consumer complaint received 2024-07-05
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships, leaving me 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

Im responding in regards to your response on original XXXX. You stated that youre not reporting to my credit so I will attach the current inquiry that YOU ARE reporting on my credit report. Please remove this asap since you stated youre not.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

Upon reviewing my credit report, I noticed that laws were being violated against me regarding these collections. After carefully reviewing my records, I can confirm that these discrepancies are not accurate representations of my credit history. 

I am disputing owing any and all debts to LVNV Funding I am revoking all rights of them communicating with me through email/text or calls. 

I am requesting this debt be validated. 

I am requesting the purchase agreement between them and the Original creditor.

I am also requesting the Collection agency to furnish proof that they are licensed and bonded and can legally conduct business in the state of Michigan. 

I have not been provided with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but there has still been a collection placed on my consumer report. 

I have not been given the chance or opportunity to dispute any and all accounts associated with the company according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection Agency is violating my consumer rights by using false and misleading representation and deceptive practices/means. 

Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and hence in violation of 12 CFR 1006.34 ( d ) and code 15 usc 1681-s2 ( 7 ) ( A ) Thank you for your prompt attention to this matter.

Section 623 ( a ) ( 8 ) : This section requires furnishers of information ( such as creditors and debt collectors ) to promptly investigate disputes forwarded to them by the credit reporting agencies and report the results of the investigation back to the agencies. 

These are some of the key provisions of the FCRA that govern the process of disputing inaccuracies on credit reports and ensure that consumers have the opportunity to correct errors and maintain accurate credit information.