davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

This violates 15 U.S code 1692 If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Consumer complaint received 2024-05-20
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: GOLDMAN SACHS BANK USA (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX CASE # XXXX. Im kindly asking they remove all negative items from credit. I sent in complaint about them but then I looked up to see if they were licensed in NEW JERSEY and I didnt see their name listed. So Id like them to verify all license and bonds for debt collection also. But the fact that there is extra fees on front page and not on contract agreement is enough for deletion. Im looking to resolve this out of court because I will have to go after damages at this point. Time and damage to credit with fraudulent evidence please respond. Thanks and hope to resolve soon
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery associates LLC CASE # XXXX. XXXX kindly asking they remove all negative items from credit. I sent in complaint about them but then I looked up to see if they were licensed in NEW JERSEY and I didnt see their name listed. So Id like them to verify all license and bonds for debt collection also. But the fact that there is extra fees on front page and not on contract agreement is enough for deletion. Im looking to resolve this out of court because I will have to go after damages at this point. Time and damage to credit with fraudulent evidence please respond. Thanks and hope to resolve soon
Consumer complaint received 2024-05-20
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and CHEX SYSTEMS AND XXXX XXXX XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, 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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX  Inquiry Date : XX/XX/2023 XXXX XXXX  Inquiry Date : XX/XX/2023 XXXX  XXXX Inquiry Date : XX/XX/2023 XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Funding LLC Doing Business in XXXX  as Midland Funding XXXX  LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Judgement Amount {$1900.00} Interest 5.00 % per annum {$350.00} Court Costs {$400.00} Total Probable Amount Due {$2700.00} This was issued to my old address in which I have not lived in XXXX  since XXXX. 
On XX/XX/XXXX, they sent a letter to my old XXXX  house, and I was not living there, but someone accepted is what Midland is saying and, on those grounds, they got the judgement against me and on XX/XX/XXXX, won the court order to garnish my wages. 

Since I did not respond the judge granted false claims for Midland to seeks a judgement, I was unaware of. They are set to garnish my wages 25 % starting this week. Is it too late since I did not receive the actual court date?
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Received a loan through Credit Acceptance for a used car. They make you purchase gap insurance which adds to cost and payoff but can kind of understand but they also make you pay for a XXXX year service agreement with a fraudulent Warranty company they always use that never helps the consumer in anyway. You never get your car fixed because they make consumer have to pay the car repair company to tear your motor apart before they fix and or like my case they won't last for a timing chain that going bad and want it to break completely but if it destroys motor they won't cover. They continue to make the consumer have to pay to tear motor apart and then deny claims. There's a long list of complaints with Credit Acceptance and there is of this company for worthless Warranties that never cover anything but charge consumer on there loans that makes there payoff more than car worth. They take advantage of poor people who struggle with credit almost like payday loan companies do.
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Driveway Finance Corporation (MI)

The Driveway Finance Corporation used my personal information to illegally enter me into a Fraudulent contract that has been altered. I have made numerous complaints with regards to the altered contract that I only signed on XX/XX/2022. However, the dealership had made alterations to the contract after I signed it. The contract that I last reviewed had a forged signature appearing to be my own signature. Because of this fraudulent act, I am now being harassed with collection calls and notices even after I requested a Cease and Desist until they resolved our Fraud issue. Neither the creditor nor the Finance company has reached out to me for cure of this alleged and fraudulent debt. I am demanding full refund of all monies I was forced to pay into this fraudulent transaction. I am willing to accept the truck fully paid off as compensation and an additional {$50000.00} for pain and suffering caused by this unfortunate incident that continues to negatively affect my credit standing.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

I am the beneficiary and this company has caused immense damage the my estate!!!!!! 
THIS COMPANY IS ACTING ULTRA VIRES AND ILLEGALLY This have stolen my identity and used it improperly for fraud. I have gave this company proper notice and it is tacit from their response! Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement!!!!! 
I will go to the XXXX and arbitration if this account is not removed immediately you have XXXX  days. I have already been contacted by a local attorney whom which im thinking about hiring. Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement. You have no legal right to report. PROVIDE THE FOWARD FLOW AGREEMENT!!!!! YOU DO NOT HAVE PERMISSION FROM THE SURETY WHICH IS NO CONSENT AT ALL WRITTEN OR VERBAL TO TRANSACT. I NEVER DID BUSINESS WITH THIS COMPANY AND I REFUSE TO DO BUSINESS WITH THIS COMPANY.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (CA)

In or around XX/XX/2024, Robinhood Financial LLC ( " Robinhood '' ) abruptly closed my spending/checking account without providing an explanation. This unexpected restriction on my debit card and account closure resulted in financial penalties and incurred additional fees, due to my inability to withdraw funds, transfer money to other banking institutions, or pay bills. As a long-time and active user of Robinhood 's services, I would love to continue using their platform and request an explanation for the account closure and the opportunity to appeal this decision.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

national credit systems # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
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. (GA)

Experian is reporting this account as late XXXX XXXX. This account was not late UNDER CARES ACT. Please remove 180 day latenessess reported
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a 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 2024-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

company did not send me proof of debt that belong to me. they attached a bill with no proof that it actually belongs to me. Either send me VALID PROOF or take it off my report you have 30 days to send me just that. DO NOT ATTACH A BILL WITH NO PROOF TO THIS COMPLAINT
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to formally complain about Capital One, who engaged in predatory lending practices that have adversely impacted my credit standing. 

Recently, Capital One pulled my credit report and initiated multiple email communications requesting verification of my income as part of a process to increase my credit limit. Despite complying promptly and providing all requested information, my application for a credit limit increase was immediately declined. This action has resulted in a significant drop in my credit score.

I believe that this sequence of events is indicative of predatory behavior, aimed at generating unnecessary hard inquiries on my credit report, which in turn damages my credit score
Consumer complaint received 2024-06-21
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)

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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Capital OneXXXX XXXXXXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear Capital One, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I have a business account and I deposited 2 checks that were from the u.s. treasury the bank then froze my account I can't get into it at all and said they have to verify the checks. They have had the checks over a week now and are trying to tell me it will be 14-30 days to verify check. I called the treasury dept. And they told me the the bank cashed the checks more than 5 days ago. This has caused my business great financial stress and I can't get any answers from anyone
Consumer complaint received 2024-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

It has to my attention that CAPITAL ONE is updating and verifying inaccurate account information that was disputed through the consumer reporting agencies. Specifically, XXXX. CAPITAL ONE has modified the account numerous times but did not correct the errors I have been disputing. 

The account with CAPITAL ONE is reporting from the CRAs inaccurately. These errors include misreported late payments that are formatted inaccurately in the payment history section of the account in my consumer report. 

I request an investigation into this matter per 15 USC 1681s-2 ( 8 ). There are late payments in this account that are the same and triplicated currently reported as 60-days late item notations subsequently. Another late payment reports as a 120 days late item notation and digresses to a 90 days late item notation. These are just some of the inaccuracies. There is also a payment that I made on this account that is not being reported. 

This account is both inaccurate and incomplete and the Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to consumer reporting agencies. 

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.