davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. It is my understanding that the Credit Bureaus are required to remove these inquiries completely from my Credit File in accordance with the Fair Credit Reporting Act as soon as possible.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (PA)

The Company is sent me a pre-legal notice, when this is the first notification I received from them. They sent it to me via Email, and I never even received a piece of physical mail or a written notice. They claim to be the current creditor of which is a debt is owed. However, the total alleged balance due in the email they sent to me is different from the balance of the original creditor who is claimed to have assigned them the account.They sent me 3 separate pre-legal notices all within a week of each other from two different email addresses : XXXX XXXX I replied to their email and requested that all forms of communication be done through physical mail instead of electronic mail and have yet to receive any notice. I also mentioned that they would be receiving a debt validation letter from me with this being within 30 days of my first point of contact. 

XXXX XXXX XXXX is attempting to collect said alleged debt on the behalf of another company. They claim that I owe Velocity Investments LLC a total Balance Due : {$1100.00}. 

However, The account in which they have been assigned is from, XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX At the time of discharge The Balance due for this account was in the amount of {$980.00} I will provide statements from my account with XXXX for proof, as well as a screenshot that will show you the final balance once discharged. 

Some of my rights were violated under : 15USC 1692 Congressional Findings & 15 USC 1692d : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

This Company has used obscene language and threatened to take legal action, through a pre-legal notice. 

XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle was the common-law basis for the assumption of the risk doctrine. 

If this company is the " new '' valid creditor of this alleged debt they also knowingly purchased bad debt, which may also be a predatory pattern for them. 

They assume the risk of taking on said " bad debt '' Many complaints on the XXXX website suggest this as well. A member of Velocity Investments LLC stated in response to a complaint. " Velocity purchased this account in good faith and for value. '' Good faith is a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : 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 - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.

Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.

IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.

I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

My information was sold and bought because I was a victim of the Equifax data breach. I would like these items deleted from my report effective immediately. Equifax has admitted that I was a victim to the data breach but has done nothing. Please help me remove all illegal accounts from my credit report. Thank you.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, Experian, and XXXX Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the XXXX XXXX XXXX XXXX  ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference.

According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option.

Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. 

As per the XXXX XXXX XXXX XXXX XXXX, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. 

I would also like to request the removal of the following accounts from my credit report : 1. XXXX XXXX XXXX- {$710.00} - Account Number : XXXX 2. XXXX XXXX XXXX- {$120.00} 3. XXXX XXXX - {$1700.00} - Account Number : XXXX 4. XXXX XXXX XXXX - {$660.00} I demand that XXXX, Experian, and XXXX promptly investigate and remove these accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. 

Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. 

Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. 

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

Sincerely, XXXX XXXX Without recourse
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (IL)

BMO BANK N.A., Account # : XXXX Open Date : XX/XX/2017 Close Date : XXXX closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc. (MS)

On XX/XX/2023 I mailed Pro Collect Inc a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to Pro Collect on XX/XX/2023 at XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/2023 and I have not received any correspondence back from Pro Collect. This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH PRO COLLECT NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TN)

Contacted Honda financial services several times over 1 month to fill out a power of attorney form or the form I will attach. I need to have permission to register the car in XXXX since I have moved. I need to get car tags for XXXX and have to return my XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Kohls card in store in XXXX of 2023. I called customer service explaining the address was wrong that they use, which to that they said no problem let me change the address and send a new card. I waited for the card and nothing came. I called again to request they send out a card and still I have no received a card, just emails of the balance owned.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, XXXX, EQUIFAX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.
Consumer complaint received 2023-08-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Newport Intermediate Inc. (MD)

I was sent a prepaid card for {$1.00}. This card has a monthly service charge of {$3.00}. It isn't clear to me how to close this account or where the service charge comes from since the card balance is only {$1.00}. I tried calling the phone number on the card but it was an automated system that was not helpful. No person was available. 

This card is some sort of refund from XXXX. I never requested the card or the refund. This has caused a lot of aggravation and I don't even care about the {$1.00}.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, After pulling a copy of my Equifax credit report, I was absolutely SHOCKED to find that ALL my accounts were deleted off my Equifax Credit Report!!! I contacted Equifax directly and spoke representative named " XXXX XXXX, her member number is XXXX XXXX XXXX She was unable to assist me in this matter. This is extremely frustrating because I am in the process of obtaining a Home loan for my family and this is slowing down the process. Please fix this IMMEDIATELY before LEGAL ACTION IS TAKEN!!! The FCRA is being completely violated by Equifax.. 

Sincerly, XXXX XXXX
Consumer complaint received 2023-12-10
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. (TN)

On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc. ()

On XX/XX/2023, I completed a global transaction with North Lane ( Onbe ) and have yet to receive the funds. It was indicated that I should have received my funds no later than XX/XX/2023. I have contacted both my local bank and North Lane and neither can provide any updates. I have been asked to retrieve a SWIFT code from North Lane so that my bank can try and trace the funds and I have yet to be provided with one. I have followed up multiple times and have still not received it.

Im very frustrated and stressed out as I am in an urgent situation and currently sitting without any funds. North Lane is not providing me with the necessary answers or resources to try and trace the money and I have run out of contacts to try and get hold of.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to eXXXX XXXX XXXX XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2023-09-25
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and never ever in any way sign an agrement on. A legal contract is signed by the parties and I did not participate in any of it. More so they didn't folow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I have a XXXX with PayPal. 
I was making my payments with my checking account for years and without problems. 
Recently PayPal makes new rules and I try to make payments same way and is rejected. I contacted my bank about this issue and they said You dont have any restrictions the payment should go through. Look like my account is in way to be on collections. 
I asked PayPal if theres another way to make payment. No they said.
Consumer complaint received 2023-12-09
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.