davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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 XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX TransUnion/ XXXX in connection with its debt collection and furnishing activities

continues to violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.Collecting any Time-Barred Debt through any means, including but not limited to telephone calls and written communications, without .They continue to list the Loans as accurate, documentation from the creditor or agent was not provided to support creditor was not discharged in the chapter 13, as these are private student loans not federal and not subject to 11 U.S.C. Section 523 ( a ) ( 8 ) ( A ) ( ii ) ) on IRS publication,901.

For those Time-Barred Debts that can not generally be included in a consumer report under the provisions of the FCRA, 15 U.S.C. i68ic ( a ). Clearly and conspicuously disclosing to the Consumer : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. 
They are not federal loans, A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans.

U.S. Court of Appeals for the 2nd Circuit from the U.S. Bankruptcy Court for the Eastern District of New York. In the original case, U.S. Bankruptcy XXXX XXXX XXXX XXXX concluded that private student loans were not part of the Bankruptcy Code Section 523 ( a ) ( 8 ) ( A ) ( ii ), which states that any obligation to repay funds received as an educational benefit, scholarship or stipend is typically not eligible for discharge.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ).

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared.

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income.

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-11-21
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. (OH)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$15000.00}.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I have 4 accounts with CIT bank since many years, On XX/XX/XXXX  I had problem accessing my account online, I called the customer service and they informed me that my accounts are in process of closing and some one will call me in 2 days without any reason given, I waited and called them on XX/XX/XXXX  they informed me that i will get response by mail, i received no response on XX/XX/XXXX  I called them again supervisor name XXXX XXXX XXXX said they are in process of closing the all accounts and it will take 10 days, they refused to give me further assistant. I have 4 accounts total amount totaling {$200000.00} approximatlly. I am senior citizen and need accessto to money and i am not able to get any assitant.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unauthorized inquiries on my credit report have produced inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

This was from credit theft. Tried to fix with the company and they still sued me. I never got the notice to appear in court. I got notification from my employer that I was getting my wages garnished. I was sued for {$1400.00} approximately. I got notified that it has been paid from my payroll department that is alleged debt was paid in full. I have been checking my credit report quite often and noticed that Midland Credit Management states I still owe them the amount of {$130.00}. I sent them a letter disputing this and after a month they replied back it stating its accurate. They refuse to update and delete this debt. They only sent me an itemized bill. Nothing with my signature proving it was mine.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have repeatedly disputed the incorrect information listed for XXXX XXXX XXXX XXXX with each of the three bureaus. Each reports the information as verified ; however, each is reporting different information ( all of which is inaccurate ). I have contacted XXXX  to request a payment history and have submitted that to the bureaus. The actual payment history and balance vary greatly from what the bureaus report as accurate, but they continue to report this information as correct. Two bureaus report that a monthly payment of {$380.00} is due. This account has been closed since XX/XX/2016. This inaccurate information is extremely detrimental to my financial well being.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CO)

Hello, I have an Old Navy XXXX card that was converted to a different lender ( XXXXXXXX XXXX to Barclays ). I never received a new credit card or any information about making a payment or setting up an online portal via email, which was my preferred communication method, or via phone. 

I began receiving emails about needing to make a payment to Barclay, but wasnt able to open a web portal because I never received a card to verify the account on their website. A few months ago, my husband called a Barclay help number and set up recurring payments to have us back in good standing. 

Recently I have received calls saying I havent made payments. The company never processed the payment my husband set up and never sent me a new card. I called again today to try to find out what happened and the company has closed my account. I now am not able to make payments or check my balance or request a new card, as I still dont have web portal access. I am very worried that this will negatively impact my credit score, even though we have tried many times to resolve the issue on our own. Please help!
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXX {$1300.00} XXXX OF XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$3400.00} XXXX XXXX XXXX # XXXX {$9600.00} XXXX XXXX XXXX # XXXX {$6800.00} XXXX XXXX XXXX # XXXX {$3700.00} XXXX XXXX XXXX # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( XXXX ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX incorrectly reported a 30 dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deletedform my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. and XXXX has done nothing.Please help me deletes these illegal accounts from my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am writing to formally instruct you to cease all communication with me immediately regarding the above-referenced account, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under the FDCPA, the term communication is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I would like to make it abundantly clear that I expect no further communication from you or anyone affiliated with your agency pertaining to the aforementioned account. This includes, but is not limited to, phone calls, letters, emails, or any form of indirect communication with any third parties, such as friends, relatives, or employers. This also includes reporting this debt on my credit report. 
Furthermore, I hereby request that you immediately delete any derogatory information related to this account from my credit report. Failure to comply with this request will result in me seeking compensation. For every instance of communication or violation of my rights under the FDCPA, I will assert my right to seek statutory damages of {$1000.00} per occurrence. 
Retain a copy of this letter for your records. Failure to adhere to this cease and desist request will serve as evidence should I decide to take further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX SS : XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Acceptance Corp (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states u have the right to privacy 15 USC 1681 section XXXX section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

XXXXXXXX XXXX XXXX  # XXXX, XXXX/DEPT OF ED # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I have attached an FTC report with fraudulent unauthorized inquiries. Delete fraudulent unauthorized inquiries and also delete the fraud alert Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BHFC Financial Services INC (AZ)

Account with XXXX XXXX XXXX was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts