davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

The debt was placed on credit report without receiving a debt verification. Debt was disputed with XXXX and XXXX and it was reported date was incorrect and updated and was reported debt as valid. I have yet to receive a debt verification and Wakefield and associates has yet to even respond to providing any debt verification, it seems to get ignored and reported debt as valid although not providing any debt verification.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation (KY)

Hello, First of all my apologies if this isn't directed to the correct department. That said, I would like to bring to your attention a marketing tactic being used by 1st Franklin Financial. 

The company is sending people " Real Checks '' as disguised Personal Loans. If deposited, that will constitutes the acceptance of a personal loan ( or result in a bounced check fee from my bank ). 

This practice of sending of checks ( discussed as a personal loan ) is highly predatory. Given this marketting practice makes it too easy to unwittingly accept a personal loans. Frankly, I'm surprised it doesnt already fall under existing CFPB regulations. Regardless, I hope this type of marketing can be stopped. 

I have not redacted my personal information ( though would ask it be if shared outside the organization. ) I've attached copies of the XXXX pages included in the communications from 1st Franklin Financial. 

Please feel free to reach out if I can be of more assistance. 

Thanks, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-17
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the documentation you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the provided contract does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.
Consumer complaint received 2024-04-18
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. (TX)

I've noticed some unfamiliar items on my credit report, suggesting that someone may have stolen my identity as I didn't authorize these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these accounts from my report. Their presence is causing me considerable stress. They do not accurately reflect my true credit history or financial management, and addressing this issue has been challenging. If we can not resolve this matter, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies on my credit report pose a significant obstacle for me, hindering my ability to achieve important financial goals such as purchasing a home and providing for my family. I sincerely hope we can resolve this issue promptly.
Consumer complaint received 2023-04-18
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. (FL)

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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-31
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)

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 reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IN)

XX/XX/XXXX to XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX XXXXl to work and XXXX XXXX XXXX XXXX XXXX I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Consumer complaint received 2024-04-18
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 feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-12-27
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. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BHFC Financial Services INC (AZ)

XXXX XXXX <XXXX> XXXX XXXX ( 4 minutes ago ) to  me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Larry H. Miller Group of Companies (OH)

Send me a notice to garnish my wages from car loan I gotten 8 9 years ago and over charged me not even the original amount the car loan was for. Threaten to take me to court to garnish my wages for it.
Consumer complaint received 2024-01-17
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)

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, Experian, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to express my deep frustration and concern regarding the persistent failure to remove fraudulent items from my credit report. Despite numerous requests and the submission of supporting documentation, these fraudulent items remain on my report, severely impacting my creditworthiness. I believe this situation violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system. If you are unable to verify the validity of these items, I demand their immediate removal. Additionally, I request a detailed explanation of the procedures used to determine the accuracy and completeness of the information in question. These are the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, AZ XXXX.
Consumer complaint received 2024-01-17
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. (GA)

I am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them for so many times with the confirmation number XXXX  they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report, but when i generated my credit report I still see these unauthorized inquiries in my credit report. 
Please I need your help on this matter to address this concern to the bureau. I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$98.00}
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX XXXX not a third party company I am sending this complaint without assistance from any one. I noticed that Capital one has been reporting Account name CAPITAL ONE Date opened XXXX a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

I should have gotten a refund check from canceling my gap insurance and service warranty on my vehicle because it was paid off early the refund check is for XXXX the dealership the XXXX XXXX  said the sent the check to Kia motor finance on XX/XX/2023 as of XX/XX/2023 Kia motor finance say they still havent received the check and neither the dealership nor Kia motor finance can tell me where my refund is and I constantly keep having to go back and forth
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (IN)

1.ability recovery services llc 2XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to.. 
15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Chase Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Chase Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute.

Violation of 15 USC 1681 : Additionally, I believe that Chase Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system.

Violation of 12 CFR 1016.7 : Chase Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While Chase Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 
Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Chase Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.