davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : XXXX  Collection Agency : XXXX XXXX Original Amount : {$250.00} Date Paid :XX/XX/24 Reference Number : XXXX Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (DC)

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit 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 1 inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( NATIONAL CREDIT AUDIT CO ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-07-10
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. (OR)

PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of XXXX OREGON CHILDSUPPORT Account Number : : # XXXX Account # XXXX Account : : # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. I am not seeking to verify the information from dept of justice division of child support. I want these Items deleted according to there on letter see attachment. also according to case which was also written BY TRANSUNION. 
XXXX XXXX XXXX XXXX XXXX Trans Union 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 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-10-30
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. (NY)

I'm addressing FCRA violations, specifically 1681b ( a ) ( 3 ) ( f ) ( i ), related to unauthorized inquiries on my TransUnion report. These were made without my consent and I have no transactions or accounts with these corporation. The FCRA only allows obtaining a consumer report for authorized purposes or as certified under 15 USC 1681b ( f ).
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year>, I have requested online from all XXXX  credit reporting agencies ( Equifax, XXXX, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from Equifax, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. XXXX and XXXX, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Please note the email associated with my Citi XXXX XXXX Mastercard is XXXX I have XXXX problems with my account : I scheduled payments for both my account listed above ( previously ending in XXXX, currently ending in XXXX ) and my Citi XXXX XXXX ( ending in XXXX ) on XXXX XXXX, 2024. I know Citi has a way to track online activity, so they can certainly see I logged in and schedule payments. One payment went through without any problem, the other apparently did not. I received confirmation of the payment, and then a window popped up which explained the website was having technical difficulties ( please see attached ). Although I scheduled both payments at the same time, one apparently did not process. Cit charged me a bogus late fee of {$30.00} on XXXX XXXX, 2024. I dispute this as my payment was NOT late. The Citi website frequently has issues. I will not be penalized when I did not make the payment late. I'm asking Citi to reverse this bogus charge and credit my account. As Citi is aware, I have NEVER missed a payment or made a late payment as long as I've had these accounts. This is nonsense. 

My second problem is, prior to this, I discovered my previous Citi Mastercard ending in XXXX had been stolen, most likely from my locker at the gym. There were charges to my account which I did not authorize. Citi temporarily credited my account while they investigate. However, I have contacted them through messaging XXXX times now and asked how I can submit a copy of my police report. They have not responded.
Consumer complaint received 2024-01-31
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. (CA)

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through Equifax and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : 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 2023-06-23
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: Experian Information Solutions Inc. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
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. (FL)

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 168XXXX. 

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 XXXXXXXX, 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 2024-04-26
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: EQUIFAX, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  Balance : {$9.00}
Consumer complaint received 2024-08-04
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: Westlake Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, XXXX, XXXX Subject : Final Request for Verification and Documentation of Account name : WESTLAKE FINANCIAL SERVICES, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC (FL)

This is regarding a response to my CFP complaint filed in XXXX, wherein the credit collector continued the pattern of lying. 1- The offer to allow me to pay affordable payments was made over the phone, and the agreement was entered into over the phone, and recorded. The alleged letter ( attached ) is something Ive never seen until now. 2- Neither the letter nor the actual agreement prohibited my paying more each month. By paying a large lump sum, I did not go outside of any any term or condition. 3- The recording would also prove that they agreed to no negative credit reporting if I paid on time.

4- The lump sum caused the account to be paid in full, and they stopped pre-authorized monthly debits, of their own accord, based upon their own records. 

As to XXXX XXXX I indicated last week that I was willing to pay the mysteriously appearing {$100.00}, if they could prove to me that there had been a mistake, even though it would have been their mistake and not mine. My offer was refused. 

I was also refused, by XXXX, copies of documents and communications between us including statements. I was told that the communications we had with each other were theirs and proprietary, even my statements! 

Both of these companies are hiding the truth.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc. (MO)

My son received an email XX/XX/2024 from First Financial Asset Management , Inc. about a remaining balance of {$2000.00} with XXXX XXXX. The open balance in question was actually mine ' not my son 's and I had already worked things out with XXXX before he received the email. The issue here is that First Financial has violated the FDCPA by informing others ( my son ) about the details of my consumer debts including that I had a debt, the amount which was owed and an account number for their portal. I also do not know how they got my son 's email as I did not tell them.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

XXXX XXXX {$5300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

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

"
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (TN)

A company called AVA FINANCIAL INC. is furnishing alleged transactions and experiences on my consumer report that is prohibited by the FCRA. This company is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1666B.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX Capital One placed a legal hold on 2 of my accounts referencing a Writ of Garnishment from Attorney XXXX XXXX. 
I informed Capital One Customer Service and Bankruptcy Department through numerous employee transfers that I had filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. An automatic stay of all garnishments and credit collections was placed. 
Therefore the XX/XX/XXXX legal hold placed on my accounts was a violation of the Bankruptcy Court Order. 
On XX/XX/XXXX I faxed and emailed the XX/XX/XXXX Bankruptcy Court Order to Capital One 's levies and garnishment department. 
On XX/XX/XXXX Attorney XXXX XXXX ( who filed the writ of garnishment ) completed and faxed a court-filed Dismissal of the Garnishment. 
On XX/XX/XXXX I faxed and emailed Capital One a copy of the Garnishment Dismissal and another copy of the Bankruptcy Court Order. 
Capital One Customer Service Department is not able to verify that the faxes or emails are received or processed. They further refuse to provide a phone number for the Levies and Garnishment department. 
In short, the hold on my 2 accounts is illegal and a violation of the Bankruptcy Court Order. The attorney that requested the Garnishment has confirmed to Capital One that it is an illegal hold and to dismiss it. Capital One has not done so and has not provided any contact information to confirm its processing.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is about the XXXX time now where Capital one is removing my XXXX XXXX  account from making payments, I keep trying to add my card and it is saying it has hit a snag. There is nothing wrong with my XXXX XXXX account, I have provided capital one documentation needed proving this is a correct account and this keeps on happening where online banking removes my payment access from this account. I am getting furious having to attempt to contact them, and them not knowing what to do or who to contact on their end to resolve it. I need this fixed for both my credit card account and money market account, as those both accounts removed my XXXX XXXX account resulting in me not being able to make payments.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

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