davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title.

15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX, XXXX, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX, XXXX, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer may exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (PA)

I am filing this complaint against SoLo Funds, Inc. regarding deceptive and abusive practices related to their small-XXXX, short-term lending platform. 

I took out a loan of {$350.00} through the SoLo Funds platform. However, during the loan application process, I was misled about the true costs involved. SoLo Funds advertises " no-interest '' loans, but then prompts borrowers to select a mandatory " tip '' for the lender as well as a " donation '' to SoLo Funds itself. There was no option presented to select a 0 % tip or donation. 

By obscuring these extra fees as " tips '' and " donations '' rather than clearly disclosing them as interest and charges, SoLo Funds deceived me about the total cost of the loan. The {$350.00} loan ended up costing me {$450.00} after the lender " tip '' and " donation '' were added. 

SoLo Funds ' actions constitute deceptive practices in violation of the Consumer Financial Protection Act. They misleadingly marketed a " no-interest '' loan when in reality the mandatory fees resulted in an annual percentage rate well over 36 % - well over the 6 % allowed in Pennsylvania. Their convoluted fee structure obscured the true cost of the loan. 

I am requesting that the CFPB investigate SoLo Funds for these deceptive lending practices and violation of truthful advertising standards. Appropriate relief should include restitution for affected borrowers, disollution of current loan, disgorgement of ill-gotten gains, and penalties sufficient to deter such abusive conduct in the future. 

Thank you for your attention to this important consumer protection matter.
Consumer complaint received 2024-04-23
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. (VA)

this company removed fraud accounts from my report now they are back reporting them someone has used my info and opened fraud accounts XXXX is in violation of federal law and needs to be held accountable these fraud accounts are XXXX CREDIT COMPANY XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX ACCOUNTS NEEDS TO BE REMOVED THIS HAS BEEN GOIN ON FOR ABOUT A YEAR NOW THIS COMPANY HAS ALREADY COMPROMISED CONSUMER INFO FROM HACKS AND OTHER THINGS AND HAVE BEEN DOIN THIS TO ME FOR YEARS IVE SENT IN POLICE REPORTS AND ID THEFT REPORTS STILL NOTNING HAS BEEN DONE
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CB1, Inc. (MT)

XXXX XXXX XXXX  in XXXX MT on XX/XX/18 contacted my boss directly in XXXX OR and revealed that they were a collection agency. The person who contacted my boss was rude during the conversation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I reviewed my Consumer Reports on XX/XX/XXXX and noticed that there was an inaccurate account on my credit report. On XX/XX/XXXX I sent a dispute to Transunion asking them to investigate this account : XXXX XXXX XXXX XXXX 

On XX/XX/XXXX they responded saying they verified the account. I looked at my report and noticed everything is still the same. 

According to 15 U.S.C. 1681 ( I ) they're supposed to update, modify or delete the account. 
According to 15 U.S.C. 1681 E B they're supposed to insure Maximum Possible Accuracy. 
" A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSES TO BELIEVE THE INFORMATION IS INACCURATE. '' And according to 15 USC 1681i 5 they are supposed to do this ( 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 the 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. 

When a company verifies an account they are supposed to report it as verified and remove the " dispute in progress '' remark. If this account was disputed in XX/XX/XXXX and verified on XX/XX/XXXX, why is the " last reported '' date say XX/XX/XXXX. This is because they never actually opened up an investigation into the account. This is directly a violation of the FCRA. 

Not only did they lie about investigating the account in accordance to the FCRA, this account on TRANSUNION is full of blatant inaccuracies and contradicts itself. Not only does it contradict itself, it contradicts the same accounts information that is correct on XXXX and XXXX : -The payment history for this account on TRANSUNION is not accurate according to the other Credit Bureaus . On TransUnion it shows XXXX XXXX of payments were on time. On the other bureaus it shows XXXX XXXX of payments were on time. Also on TRANSUNION it shows the last payment was made on XX/XX/XXXX while on XXXX it shows the last payment was on XX/XX/XXXX. Now if TransUnion wouldn't have lied and said they investigated and actually updated the account AS THE FCRA REQUIRES, they would know this. TRANSUNION can't be correct because it is directly in conflict with XXXX and XXXX. This falls on TRANSUNION and their information is inaccurate. 

TransUnion really did not do an investigation into the account. They lied on an official document saying they did something but they actually didn't.
Consumer complaint received 2024-07-24
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

I went on XXXX XXXX to check my credit score and saw I had a collection on my credit report. The collection agency is Radius Global but they are collecting for XXXX. I have never had that phone line. I have only ever had XXXX. I recently had to get a new XXXX debit card because of fraud on my account so I feel it may be related.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

I have received notice from my insurance scored was downgraded based on the collection action listed on my credit report even thought I have previously disputed this matter with the credit reporting agencies, The information provided is inaccurate, I have also provided proof of the 60 days of noticed an payment through the required period, when I was contacted by a rep of the company alleging that a cleaning fees was also included, I even agreed to pay the said the fees, although it's a made up fees granted they provided me an invoice for the said fees only ; however I never heard from CAPTSTONE since. 

I signed a 7 month lease and agreed to pay a higher rent rate while my house was being build, as required I provided the rental office ass instructed when I signed my lease with my 60 days notice via the portal with my rent payment on XXXX XXXX XXXX and although I vacated the apartment in XXXX I pay the rent through XX/XX/year>. 

I have attached all the supporting document, please advise if you need additional information. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
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. (AR)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX MB XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was told that I owe XXXX on a kohls bill back in 2017. Tried calling to work it out. Ran into hard times and they just kept racking late fees on it every month for the past 6 years. My bill was not this high ever. All the late fees is what it isl.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXXXXXX XXXX is reporting late payment history for XX/XX/year>, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. I disputed with the company directly, but they didnt respond.
Consumer complaint received 2024-05-18
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. (AR)

I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX BANK XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-07
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. (OK)

" 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 2024-06-07
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (PA)

Hello, I am filing a complaint about jefferson Capital System LLC. I called Jefferson Capital System LLC and I kindly asked them to send the original purchase agreement to verify the debt. They never agreed to send the purchase agreement. Therefore, I am disputing this account due to inaccurate information.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I am writing to file a formal complaint against Portfolio Recovery Associates regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Portfolio Recovery has failed to respond to my requests for debt validation.
Consumer complaint received 2024-01-19
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX