davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

We owed a debt for credit card. XXXXXXXX XXXX XXXXXXXX XXXX set up payment plans with us. We got hit with unexpected medical bills and couldn't make a payment. XXXX XXXX XXXX filed a garnishment order with the court. We were never notified of the court order. We were never given the paperwork for the court order that would have given us 2 weeks to pay before they froze our bank account. After our account was frozen, we had to call the court house to find out the case number and what was going on. We never new we needed to respond to the garnishment order. We then called XXXXXXXX XXXX XXXX. We told them we never received any paperwork. They then mailed the garnishment order to us dated for XXXX but mailed in XXXX. It was XXXX late for us to do anything. They froze our account for XXXX weeks. We were not able to pay any bills. Couldn't even pay daycare. They didn't care. Even after the debt was paid we continued to receive paperwork dated back in XXXX but received in XXXX. I had to rack up another credit card just to pay the debt to try and hurry and get my account unfrozen. This is what they wanted to happen though. This is a disgusting company. The attorney XXXX, should be ashamed of herself. Took an oath but then lies to close her case.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Red Target LLC (TX)

I am filing this complaint against Red Target LLC XXXX XXXX XXXX XXXX XXXX for their wrongful and abusive legal practices. The company has filed a lawsuit against my company, XXXX XXXX XXXX XXXX XXXX, in the Supreme Court XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of XXXX ( Index No. XXXX ), despite our contract explicitly stating that any legal action must be initiated in the XXXXXXXX XXXX XXXX 

Violations : Wrong Jurisdiction : The lawsuit was filed in XXXX XXXX, a jurisdiction with no connection to the contract, my residence, or the events in question. This filing is in direct violation of the terms of our contract, which mandates that any legal disputes be resolved in XXXX. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S. Code 1692i ( a ) ( 2 ) : The company violated the FDCPA by filing the lawsuit in a judicial district that is not the correct venue. The contract was signed in XXXX, and both my residence and business are located in Texas.

15 U.S. Code 1692d : The improper venue appears to be a deliberate attempt to harass and oppress by forcing my company to defend against a lawsuit in a distant and unrelated jurisdiction.

15 U.S. Code 1692e : The company made false and misleading representations by asserting that New York was the appropriate venue for this legal action.

Deceptive Trade Practices : Texas Business and Commerce Code 17.46 ( b ) : Filing the lawsuit in an improper jurisdiction appears to be a deceptive trade practice designed to pressure us into an unfair settlement.
Misrepresentation of Debt : The items claimed in the collections account were returned via XXXX, and therefore, no legitimate debt should exist. Despite this, Red Target LLC XXXX XXXX XXXX XXXX XXXX  has pursued legal action, falsely representing that my company owes this debt. This further exemplifies their intent to deceive and coerce us into payment for items that were returned and for which no outstanding balance should exist. 
Summary : Red Target LLC XXXXXXXX XXXX XXXX XXXX XXXX is using the judicial system in a manipulative and abusive manner, contrary to both federal and state laws. By filing in an incorrect jurisdiction and pursuing a debt that does not exist ( as the items in question were returned via XXXX ), they are intentionally increasing the legal burden and costs on my company, in what appears to be an attempt to coerce us into paying a disputed debt. These actions not only violate the FDCPA but also go against the ethical and legal standards expected of businesses in the debt collection industry. 

I request that the CFPB investigate this matter and take appropriate action to prevent further abuse by this company. Additionally, I seek any available remedies for the damages caused by this wrongful lawsuit, including the dismissal of the case and any applicable sanctions against Red Target LLC XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I called and paid them in full. When I notice they sold the debt I called and they said they would take care of it its been 9 years and its till on my credit report so I called last month they said its paid so why is it been on my credit so long
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Today on XX/XX/year>, I was at work and when I was on my lunch, this woman named XXXX came to my job trying to find me. My XXXX explained I was on my lunch and she gave a number for me to call back and the number was XXXX. He said she was from the health department. I looked online searching the number And there was many complaints that it was a scam. I have never received any calls from this number and I was very uncomfortable when a person I do not know shows up to my job. She has also called my job before without any acknowledgment. I have not received any emails or calls from Toyota so Im not sure why this person is showing up to my job
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It is so distressing and you have no idea how bad it is, Im an honest person working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, contacted Equifax via internet and phone regarding a security freeze. 

I called XXXX and was asked to identify myself. The system asked me XXXX questions I could not answer. The information was unknown to me. 

After several attempts online, Equifax finally froze my credit report. 

On XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX for another reason and was again unable to verify my information. 

XXXX questions were about an auto loan. I have no auto loan. 

My frozen credit report from Equifax shows no car loan.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that the accounts on my credit report were misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023. I drove to a Bank of America ATM after cashing a check from XXXX XXXX so I wouldn't get a 10 day hold. I deposited XXXX hard earn cash in the ATM, it only recognized {$2300.00}. I touch the button to continue to make more deposits and deposited {$400.00} it had returned to me. After that deposit the machine instantly went into an error and gave me a receipt to call electronic claims. I called and was told there would be an investigation up to 45 days but my account would be credited within 48 hrs. Well 48 hrs has passed now they are saying the amount is to much to credit me back. Clearly everything is on video it should take so long for me to have access to cash.Never will I put that much cash into an ATM Bank of America always give me a hard time.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (FL)

On XX/XX/year>, I received an email from XXXX XXXX stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from XXXX XXXX, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for XXXX, Equifax, and XXXX. The hard inquiry is listed on all three reports. 

I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint involves TransUnion, XXXX and XXXX. I have attempted many times to correct inaccurate information and each agency refuses to do so without providing me any documentation to justify their position as required. The XXXX most egregious inaccuracies of late involve XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting to these agencies without noticing me that they are doing so and providing me an opportunity to opt out of reporting as required, nor do the credit agencies provide me with the information sent to them to justify their reporting. Both of the aforementioned accounts listed by XXXX XXXX XXXX XXXX XXXX XXXX  are listed as charged off on my credit report. According to the IRS, this would constitute income for me yet I have not received any 1099 's from these banks because in reality, they are outstanding securities that belong to me and are owed to me. Income is not allowed to be reported on any credit reports, so this is a major violation going back at least XXXX years for each bank. That would be {$150000.00} in fines for each bank for reporting those accounts alone, not to mention the pain and suffering I have endured waiting for these banks to follow their own regulations and the laws they must adhere to. I require the CFPB to follow the regulations and codes established by the CFPB to protect consumers, me in this instance, and do the following : Have these inaccuracies corrected on all three credit reports and listed as paid as agreed and paid in full AND send me the fines I am due for their continued violation of my protected consumer rights AND return my securities to me that they have been using and profiting from with interest.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 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 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. ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"