davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

On XX/XX/XXXX, I received a call from XXXX-XXXX-XXXX  advising that I was facing felony charges. Panicked, I spoke with an agent at the same number on XX/XX/XXXX who advised the charges were for check fraud for an old payday loan with ACE Cash Express that I had completely forgotten about. The agent gave me a case number stating in XXXX that I needed to call XXXX-XXXX-XXXX ( Named XXXX  XXXX   XXXX, XXXX ) immediately as legal processing was already started and the charges would be filed with the courts XX/XX/XXXX at XXXX, because ACE had filed the complaint and already received full payment from the courts, the courts would then come after me with a warrant for my arrest if I did not pay the full amount the same day. I called the given phone number and provided the case number provided - the gentleman, who identified as XXXX XXXX urged that I pay immediately to avoid criminal charges on my record, having a warrant out for my arrest, and facing 3 months of jail time, and refused to take any partial payment. I attempted to explain I had seen no documents or anything on my credit suggesting I was in collections. The balance owed during the call was for {$760.00} and the bank account I used was open when I took out the payday loan, the bank account was closed after two NSF attempts went through. Wanting to avoid felony charges or jail time, I paid the balance ; and they sent this sketchy contract via email to electronically sign. After the payment was received, they gave a disclosure that if I attempted to dispute the charges in the future, the original legal proceedings would continue, and they sent an email receipt expressing the debt was paid in full. I could not find anything about this XXXX, XXXX online except for what looked like a stock website.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

My reports continue to lie to a collection agency that collects a debt that does not belong to me regarding XXXX XXXX, to date I have not received the requested documentation on the validation of the debt and my requests to the credit agencies for investigation and correction have been ignored maintaining debt that affects my ability to acquire new credit
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (CO)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX in regards to account for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801- 6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, XXXX has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with, to no avail. Therefore, am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that XXXX be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2024-06-04
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. (GA)

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit reporting but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for in case of your willful noncompliance. 
-- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XXXX to XX/XX/2024, I repeatedly requested ( in person ) an itemized list of services performed, but the XXXXXXXX XXXX manager XXXX XXXX, consistently refused to provide it and became increasingly hostile. On XX/XX/2024, I contacted the police ( XXXX XXXX ), who attempted to obtain the itemized list from XXXX. However, XXXX gave another excuse, claiming that the accountant was on vacation. XXXX XXXX informed me that, while lying is not a criminal offense, and refusal to provide an itemized list is a civil matter. Consumer Protection laws require businesses to provide clear, truthful information about the charges they impose. This failure to provide an itemized bill or disclose the nature of the charges is a violation of my rights. 


As a consumer, I have Fair Credit Billing Rights, and I have disputed this unauthorized and fraudulent charge. By not providing an itemized list, XXXX XXXX XXXX XXXX my ability to dispute the charge, further violating my rights. The burden of proof lies with the merchant to justify the charge. 


The California Civil Code grants consumers the right to receive clear billing and an accurate receipt for credit card transactions, which should include a detailed description of the items or services performed and charged. Since XXXX XXXX charged my card without providing this necessary documentation, they have breached my rights. 


The significant discrepancy between the quoted {$100.00} and the {$800.00} charged, combined with ARCOs refusal to provide the necessary documentation, raises serious concerns about the legality and fairness of their business practices. 


Given the circumstances, I am respectfully requesting that Bank of America reverse the unauthorized {$800.00} charge while the dispute is ongoing. The failure of XXXXXXXX XXXX to provide the required itemized list and their refusal to cooperate with both myself and the bank should not force me to bear the financial burden of this disputed charge. Continuing to hold me responsible for this charge places me in an untenable position, caught between attempting to resolve the matter with XXXXXXXX XXXX and the potential negative impact on my credit due to an unpaid balance. I urge Bank of America to reverse this charge promptly to prevent any further harm to my credit standing and to uphold my rights as a consumer. 


Bank of America did not seem to understand the issue involved and rejected my request to reverse the {$800.00} charge while the case is in dispute.
Consumer complaint received 2024-06-03
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. (IL)

Since XX/XX/2019, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.
Consumer complaint received 2024-06-04
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)

I have recently checked my credit report and noticed several inaccuracies including an unauthorized account reporting to my TransUnion credit report. This negative account has been detrimental to my life & overall credit health.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Consumer complaint received 2024-06-04
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)

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing these fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

These are the fraudulent accounts on my 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
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.
Consumer complaint received 2024-08-19
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. (CO)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-04
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-04
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)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX. 2024 Account # XXXX
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (NC)

My Wife passed away on XX/XX/XXXX XXXX. She had a lease with BMW which was due to expire on XX/XX/XXXX. On XX/XX/XXXX I contacted BMW to make arrangements to end the lease and have the car returned. I was aske to supply documentation which included, copy of her death certificate, Copy of my drivers license and copy of her will which I faxed to them. after XXXX weeks I did not receive a response so I resent the documents via certified mail on XX/XX/XXXX. Again. No response, again I waited after noting they had let the mail sit at the post office until XX/XX/XXXX. I called the office again and was told they never received the documents. This is a lie as I have documentation to the contrary. After a heated conversation I was asked to send the documents via email which I did on XX/XX/XXXX. 
Again no response. On XX/XX/XXXX I went to the local BMW office, caused a scene and demanded they pick up the car and refund the {$450.00} payment they took from our checking account on XX/XX/XXXX. They still didn't pick up the car until XX/XX/XXXX. A full XXXX Weeks after contact with them on XX/XX/XXXX. They are still claiming they did not receive the documents and are refusing to talk to me to settle this case. I am turning to you as well as the XXXX  for help in resolving this issue and to re-coop the {$450.00} they charged our account in XXXX. It's difficult enough to find your way through the grief of loosing a spouse of XXXX  years, but to be treated this way by BMW is beyond inhumane. 
Thank you in advance to any help you can offer, Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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. (IN)

I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 13 credit inquiries that I did not authorize. Please remove them in the next 10 days as I did not give you permission to cause damages to my profile. This demand is and will be used for legal purposes as my consumer rights have been violated.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

A payment was made to my credit card on XX/XX/XXXX via the Barclays website. Which was the same day as the XXXX XXXX XXXX The account had enough funds to cover the payment, but barclays marked the payment as insufficient funds. They ran the payment again after the XXXX issue was resolved and the payment processed no issues. I called requesting the fee be removed and was told the XXXX had nothing to do with the returned payment. Even though it obviously did because the funds were in the account.
Consumer complaint received 2024-06-04
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XX/XX/XXXX XXXX XXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXX XXXX  XXXX Balance : {$8300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1200.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-07-31
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. (PA)

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 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, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
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. (FL)

On XX/XX/2023, letters were sent to Experian, XXXX, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.