davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion and XXXX are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Consumer complaint received 2023-12-14
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. (PA)

Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, XXXX amd Equifax are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX  XXXX XXXX XXXX XXXX. - Remove Account. 
3. XXXX XXXX  - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX/XXXX  - Remove Account 8. XXXX/XXXX  - Remove Account
Consumer complaint received 2023-12-14
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. (TX)

in response to complaint XXXX, XXXX failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. Equifax is not an affiliate of XXXXXXXX XXXX  and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.
Consumer complaint received 2023-12-14
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. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-01
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: JPMORGAN CHASE & CO. (IL)

I saw on my credit card via computer login on XX/XX/year> that there was a charge for XXXX charged to my card from a XXXX XXXX purchase that I did not make. I called Chase and reported that there was a fraudulent charge on my card. The person looked at it and stated they would close my card out and issue me a new one and take the charge off which they did. Now today two months and 5 days after the issue I received a call from the fraud department stating they are reopening the case against me. I informed them again that I did not make the purchase and I had called XXXX right after it happened and XXXX told me the items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX The person at XXXX said the package had not been delivered yet and they were going to stop the delivery. That was the last I heard until today. I asked for a supervisor and he told me they were going to charge me for the purchase and he did not seem to care that I did not make the purchase and that I called XXXX. Now tonight I see they have put the charge back on my card for the XXXX. I got nowhere talking to the man about this. I am at a loss as to what to do but I did not make the purchase and I believe from what I read they have to prove I made the purchase and they are not doing that.
Consumer complaint received 2023-05-15
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-14
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. (NC)

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PR)

I enclose a copy of the letter sent and evidence that Discover received it, a copy of the police report, a copy of the FTC identity theft report, the account balance is {$9100.00}, it does not belong to me, I asked the credit bureaus to investigate the information and correct it, but their answers are that they notify the information that Discover submits to them, Discover alleges that their investigation concludes that it belongs to me but they refuse to send me a copy.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Dear CFPB My name is XXXX XXXX. I have been a victim of identity theft. Someone has been using my personal identifying information to submit nepharious applications for credit since XXXX of 2023. On XXXX someone applied for a XXXX XXXX with with personal information. On XXXX we spoke with XXXX from XXXX 's fraud team, who cancled the application and submitted a request to remove the inquiry from my reports. The comenity has been deleted from XXXX and XXXX but it is still showing on equifax. I've contacted equifax multiple times requesting they remove the inquiry. On XXXX I spoke with XXXX from equifax who ensured me the inquiry was removed and even sent me a credit report. The credit report he sent still had the inquiry. On XXXX I called XXXX and got XXXX to submit another request to remove the inquiry. On XXXX I spoke with XXXX from equifax who submitted a request to remove the inquiry after confirming she recieved the deletion request from equifax. She even gave me a confirmation number XXXX and promised it would be gone in 10 days. 18 days later it was still showing. I called equifax back on XXXX and spoke with a supervisor by the name of XXXX. He again confirmed they recieved the deletion request and promised he would hae the inquiry removed. He gave us a new confirmation number XXXX. I waited another month and it was still on my report. On XXXX I called equifax back and spoke to a supervisor by the name of XXXX who again promised to remove the inquiry and gave a new reference number XXXX. He said it would removed in 5 days. 30 days later I checked and its still on my report. I have exhausted every option. Please help me with holding equifax accountable and deleting this incorrect information from my report. 

Best regards, XXXX.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My debit card was lost/stolen and fraud and unauthorized charges were made. Bank of America sent me a new debit card but denied my claims. XXXX was detected on my phone and promptly deleted. The charges were made via XXXX with my debit card information. I have never used XXXX prior to this. I was not notified by Bank of America and XXXX  for these fraud transactions. Upon checking XXXX, I noticed the funds were used to purchase crypto and sent off to an unknown address.
Consumer complaint received 2023-12-14
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I am writing urgently to address significant discrepancies recently discovered in my credit report that are in violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, which I acquired fromXXXX, Transunion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX bank on XX/XX/year>. 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, XXXX, Equifax. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, XXXX, Equifax dated [ Date ], and I have identified the following discrepancies : 1. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX, Equifax, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in XXXX XXXX. XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I've disputed these negative accounts with all three credit agencies- XXXX, XXXX, and XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and I've contacted the collection companies who place the information on my credit report. They did not answer any of my letters. XXXX XXXX XXXX XXXX XXXX XXXX, and JEFFERSON CAPITAL SYSTEM and XXXX ) Therefore, I contacted all three credit agencies again ( XXXX, XXXX, and XXXX ) to get answers relating to how they validated the debt - since I'm not able to reach anyone by mail. I received no valid answer, and they did not remove any of the negative information from my credit report. They told me to take my issues up with the company to have the information deleted. 
XXXX XXXX - AMOUNT : {$230.00} XXXX XXXX XXXX - AMOUNT : {$470.00} JEFFERSON CAPITAL SYSTEM - AMOUNT : {$1500.00} XXXX XXXX - AMOUNT : XXXX or {$1500.00} HOW CAN I RESOLVE THIS ISSUE IF NO ONE IS COMMUNICATING AND DOING WHAT IS REQUIRED BY LAW.
Consumer complaint received 2024-08-01
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. (FL)

Tonight, I found incorrect accounts on my credit report, which I can't explain. My routine check of my credit report revealed unexpected discrepancies. I tried refreshing my browser, hoping it was a technical issue, but the errors persisted. As a result, I'm asking for a detailed review of the documents I've provided to eliminate this concern once and for all.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (KY)

A dent collector got a judgement against me and claimed I signed for the legal documents notifying me of the lawsuit. I never received such documents and now they are going to try and garnish my wages. When I contacted they circuit court they said there was a signature on file as XXXX. This is not my signature and I do not have XXXX as my initials.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, which I acquired from XXXX, Transunion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at