davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (TX)

Regarding the above-referenced account, which you claim I owe. I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay, but a request for clarification and proof that I am indeed liable for this debt.

Please provide the following information : Proof that the debt is valid and that I am legally obligated to pay it.

Details of the original creditor, including the name and address. 
A copy of any judgment if applicable. 
The exact amount of the debt, including a breakdown of the principal, interest, and any fees. 
Proof that you are licensed to collect debts in my state, if applicable. 
Under federal law, you are required to provide this information within 30 days of receipt of this letter. Until the debt has been validated, you must cease all collection efforts, including reporting this debt to credit reporting agencies. 

Thank you for your cooperation in this matter. Please respond in writing at your earliest convenience.
Consumer complaint received 2024-07-12
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, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXXXXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ASSOCIATED BANC-CORP (OH)

I purchased a new vehicle in XXXX XXXX XXXX, my first payment was due XX/XX/XXXX ( each payment is due on the XXXX of the month ) in the amount of {$580.00} ( which is the monthly payment amount on the vehicle ). I made a payment at the beginning of every month for 6 months, {$1000.00} for each payment, below are the dates and amounts for each payment ; XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} In late XXXX XXXX, I reached out to the bank that I have my vehicle loan through ( Associated Bank ) to ensure that the extra money that I was putting on each payment was being put toward the principal of the loan. The bank informed me that it was not, and that they would correct that and make sure that any amount that I payed over the monthly amount due would be put towards the principal amount of the loan. Around the time of my XXXX payment on XX/XX/XXXX, I noticed on my online payment portal that my balance was incorrect and the online portal showed that my payment was past due and I was delinquent. I contacted the bank and was assured that everything was fine, so I continued to make my payments at the beginning of each month, in the amount of {$1000.00}. A few weeks later I received a certified default letter from the bank, dated XX/XX/XXXX, that I was in default of my loan. They claimed that I owed {$1400.00} and that the amount was due immediately. I called the bank and they assured me that my account was current and that they denied sending any certified default letters. They also assured me that this issue was their fault and that they would not send any reports to any credit agencies, reporting the errored delinquency. In the beginning of XXXX I went to refinance a loan with my credit union, and they advised me that I could not get the loan I wanted, due to a bad credit report from XXXX. The XXXX report stated that I was delinquent on my vehicle loan and specifically mentioned that it was Associated Bank that reported me as delinquent on the loan. I contacted Associated Bank and explained the situation, and they still denied reporting me to XXXX. They assured me that I am not delinquent with them and there were no missed payments, but I also noticed that my that they manipulated payments to achieve the correct balance on my account, and did not fully match my payment records. They assured me that any issues would be corrected regarding my credit. Today on XX/XX/XXXX, I received a letter from Associated Bank, dated XX/XX/XXXX, stating that they have reviewed the Credit Report and they determined it to be accurate and they can not change or remove that report. I immediately contacted the bank and they apologized that I received this letter and I am still waiting to hear back from a supervisor. I am reaching out to you because I need help getting my credit restored as soon as possible.
Consumer complaint received 2024-08-15
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. (TX)

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures.

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately. 

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

PLEASE SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.
Consumer complaint received 2024-08-15
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. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history XXXX XXXXl 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 my 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 those account 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 day
s before the payment due date. 


XXXX XXXX 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 consu
mer reports
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 information is inaccurate.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

MCM was supposed to send me a refund check for the payments I made on the debt that was fraudulent they claimed that they sent it and that it was cashed, but they did not send it to me and I never received or cashed any check and they are refusing to issue a new one
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (VA)

on XX/XX/2023 I was informed by my employer that I was going to be laid off because of the company was bought out. In XXXX my former company mail me my severance check for 20 years of service. I had used my mobile application to deposit XXXX into my Truist account. After several day I was informed that my account was on hold due to a fraudulent check I did deposit into my account. Since then the current money in the account, plus the severance check and two more direct deposit checks from payroll from my new employer have been put in hold and a fraud case has been opened against me. I had showed to the bank the original check, a notarized letter from my former employer explaining the source of the check and some payroll documents. Truist did not want to accept these documents. I have a case number with them, but I have not been able to resolve the issue. I feel like I have been abused by their authority and I have not really got the answers from them in regard of what is actually the reason why they decided to do that. Since them my money is not accessible to me, and the bank do not want to help me out. I do not know where else I could turn for help. This situation is affecting me and my family. We are not rich and that money is very important for us. I am willing to provide more information, documents and anything else necessary to resolve this abuse.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Consumer complaint received 2024-06-26
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: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year>2020 under the account number XXXX, and another personal credit card opened at XXXX XXXX on XXXX XXXX,2020 under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Consumer complaint received 2024-08-15
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. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have forwarded and opened a compliant regarding XXXX XXXX with the credit bureaus. Here is my statement. 

I have no financial relationship or obligation with XXXX XXXX. The fact that they have submitted this information to my credit report is in violation of the following. Under the Fair Debt Collection Practices Act. 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- I did not provide any written authorization for XXXX XXXX to contact me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-26
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)

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Payment history guide Charge Off as of XXXX XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your credit limit/high balance was {$700.00} Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Your statement Comment Current : Purchased by another lender. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-10-03
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: EdFinancial Services (OK)

My identity was stolen at the end of last year. XX/XX/XXXX at XXXX Roughly. I immediately put a Fraud Alert on all three of my Credit Bureaus. However, EDFINANCIAL SERVICES : Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Approved XXXX loans in my name on the same date of : XX/XX/XXXX. XXXX student loan in the amount of : {$1100.00} and the other in the amount of : {$2000.00}. ED Financial carelessly approved these loans with the active Fraud Alert in place. ED Financials neglected to call the number I listed on my credit reports in the event that my credit was ever pulled. My number was put on my report by all three credit bureaus in the event that my credit was pulled so that I could either confirm/deny that I was the one applying for credit of any sort. I then called ED Financials. Let them know that my identity was stolen and that I was not the one who applied for the Student Loans. ED Financials requested proof of address ( to show that I had not been living at the address that was submitted to them during the application process ) and the police report. Both documents were provided accordingly. Even with the overwhelming proof of documentation, my dispute was denied. I then resubmitted the dispute because of the substantial evidence I have proving that I was not the one who had applied for the Student loans. Its been about three months and now I am unable to get a hold of anyone who is capable of assisting me. Ive put in XXXX request for calls back and have yet to receive them. Ive waited in their call queue only to be told the representative is unable to assist me. Ive requested to speak with a supervisor and was told that was not possible. Ive now had to hire an attorney to fight on my behalf because as of today I have yet to receive a response form ED Financial.