davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PRO COLLECT Agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

PRO COLLECT Agency has failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, the agency has placed a collection on my consumer report, preventing me from the opportunity to dispute the account as stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, PRO COLLECT Agency has engaged in false, misleading, and deceptive practices in their collection efforts. The agency has no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law, in clear violation of 12 CFR 1006.344 ( d ) and 15 U.S.C. 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to PRO COLLECT Agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide me with proof of the debt, including the original creditor 's name, the amount owed, and the date the debt was incurred.

Purchase Agreement : Please furnish a copy of the purchase agreement between PRO COLLECT Agency and the original creditor.

Licensing and Bonding Information : Please provide proof that PRO COLLECT Agency is licensed and bonded to operate as a debt collection agency.

I believe that PRO COLLECT Agency 's actions have violated my consumer rights and I am seeking appropriate remedies. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (PA)

Beginning in XXXX, XXXX and Fudge representatives have been calling me every day multiple times a day from several different phone numbers ( Number provided is the number that they use to contact me the most ) Nothing works; not ignoring the calls, not blocking the number, nothing. They just call and call and call and call so much so that it gets by the " Do Not Disturb '' feature on my phone because it thinks somebody is trying to call me about an actual emergency that matters. I've answered the phone when they call and all they do is rudely demand my card information yet seemed bothered and confused when I told them I would like to see how much I owe in writing on a document. When I block numbers they call from different ones. They are unable to provide me with any more information about my loan other than my " debt has been transferred over '' to them. If they are a real loan service then I don't understand how that company is still operating because they are some of the meanest, most demanding, entitled, and down right stupid people I've ever interacted with ( and I work in customer service so I deal with stupid entitled people every day ). All I genuinely want is that joke of a company to leave me alone because even if I do owe money not a single cent of it will be paid to them. This is borderline harassment and needs to stop because it's now interrupting my day-to-day routine and I literally haven't done anything to them.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. Thank you for your attention to this matter.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

Dear CFPB, I am writing to file a formal complaint against I C SYSTEM agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM agency has not provided me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report without giving me the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, I C SYSTEM agency has engaged in false, misleading, and deceptive practices. They have no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law, violating 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to I C SYSTEM agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide proof that I owe the debt in question.

Purchase Agreement : Please furnish a copy of the purchase agreement between I C SYSTEM agency and the original creditor. 
Licensing and Bonding : Please provide proof that I C SYSTEM agency is licensed and bonded to operate as a debt collection agency. 
My name is XXXX XXXX, and my contact information is as follows : Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I believe I C SYSTEM agency 's actions have violated my consumer rights and I am seeking relief from these violations. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
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: CITIBANK, N.A. (LA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have filed multiple complaints regarding American Express gift cards. I had XXXX of them and American Express already issued XXXX checks for the XXXX XXXX seeming to finally agree that these gift cards can not be used everywhere American Express is accepted as advertised. 

I filed a XXXX complaint for the XXXX gift card as for some reason American Express would not cut a check for all XXXX at once and on request they cash out XXXX they responded denying and providing the same response they provided in the past when I filed XXXX  complaints stating that these gift cards can not be used at ATMs or for recurring bills which I have never tried to do. 

As stated in prior complaints and again here, I have XXXX {$750.00} gift cards remaining and I CAN NOT use these everywhere American Express is accepted and the only place I was able to get the XXXX card to be accepted was XXXX! 

I will once again attach the last XXXX gift cards to this complaint and once again I ask that they cash me out as they did on the XXXX XXXX therefore acknowledging my complaint that they can not be used everywhere American Express is accepted or in the alternative I ask the CFPB to do their job and demand American Express stop advertising these gift cards can be used everywhere American express is accepted. I would be more than happy to have CFPB contact me so I can show that these gift cards are not accepted everywhere American Express is accepted and thus they are guilty of false advertising! 

I am trying to mitigate this issue but if American Express does not want to cash out these last XXXX gift cards I will have no alternative but to file a small claims case and I am pretty confident that cashing out the XXXX prior gift cards ( by sending me checks ) will be sufficient for a judge to determine American Express agreed that these gift cards can not be used everywhere American Express is accepted and will award judgment to me but if I do this I will ask the judge to reward court filing fees and my time to me as well so attempting once more to resolve this before going that route.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I was looking through my credit file and notice some discrepancies. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following account is listed as a collection account. i have never had any interaction or agreement with this company : Account name : # Experian XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$3900.00} has violated my rights. 

The following its listed as hard inquiries on my credit file : XX/XX/year> XXXX XXXX XXXX This items on my Experian credit report are incomplete and not accurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Payment came due, while working out of town. My friend tried to pay the next day but they wouldn't allow her to. I called and they said I had to make the payment in person bc I was a day late. I told them the kind of work I do I will be gone for a while. They told me they couldn't help me. So after a couple days go by, someone calls me and say I can pay by the customer portal. I have been trying and it keeps giving me a network error. I have reached out to them several times and my assistant, bc I use my truck for my business. Now I have extra fees added to my account when I made multiple attempts to pay it.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (OH)

I have repeatedly requested in writing that XXXX remove Kikoff Lending from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, Kikoff Lendin Funding is not listed in the Nationwide Licensing System as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account XX/XX/XXXXAdditionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-08-06
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)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-09-15
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. (WA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my XXXX credit report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accordingly according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In General, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, or modify that item of information, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2, they are supposed to not furnace 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 not accurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Leafy Financial, LLC (PA)

I have one collection account and 4 inquiries on my credit report I do not recognize.

Which includes : Leafy Finacial LLC for {$3400.00} Date of this account is XX/XX/XXXX. I disputed this account multiple times. I called to tell them I do not recognize this account and it still remains on my credit report. Also there are 4 inquiries which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of any of these accounts.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (DC)

Unauthorized credit inquiry on credit report due to fraud. XX/XX/year> a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (MI)

I sent this company a letter asking for validation of debt and received an unsigned document I also asked this company to stop calling me and only contact me via mail.. I have been repeatedly called this is against 15 usc 1692c also a violation of the fcra I have saved voicemails if needed
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I received a call from an unknown number, a woman tried to pronounce my name and mention calling from Pro collect. I asked what's that and she started reading the attempt to collect a debt. She mentioned an amount over XXXX. I asked for what and whom, she name an apartments and I asked what is the XXXX for and she started stating maintenance duties and insufficient funds which doesn't sound correct at all. I never receive a letter, first time getting a call and no other information to verify accuracies. Before the call ended I was told this is my debt and I disagree and the call hung up.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

That trying to collect a debt that is already paid by my insurance XXXX and I even pay the difference of XXXX $ on XX/XX/year> company attach with this complains are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX