davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NEW YORK COMMUNITY BANCORP INC (CO)

I filed a complaint last night, due to XXXX Flagstar posted negative information to the credit union again, causing my credit score to decrease by XXXX points again, but they said they can't find my information which is not correct.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

PLEASE REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT IMMEDIATELY. TRANS WORLD IS IN VIOLATION OF AN ORDER TO CEASE AND DESIST. TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AL)

I have asked lvnv funding not to contact me anymore. But they have sent it to another collection agency to continue harassing me. Then they always deny any wrong doing. This is the most difficult collection agency I have ever dealt with. I have financed difficulty and I am unable to pay right now.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2018-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Texas Auto Credit, Inc. (TX)

I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5100.00} XXXX XXXX XXXX  Balance Owed : {$610.00} CHILDSUPPORT XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-14
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: Early Warning Services, LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Early Warning 's Risk Solutions, detailing their egregious violations of my rights under the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. These violations have resulted in severe hardships and emotional distress for me.

Under the Gramm-Leach-Bliley Act, financial institutions, including Early Warning, are mandated to safeguard nonpublic personal information. Regrettably, I have experienced a blatant disregard for this obligation, causing a breach of my privacy rights and the mishandling of my personal information.

In addition to the GLBA and FCRA, the Privacy Act of 1974 sets forth strict guidelines for federal agencies regarding the collection, maintenance, use, and dissemination of personal information. Early Warning 's Risk Solutions has egregiously neglected to adhere to these standards, contributing to the distressing situation I find myself in.

I assertively and specifically outline the following instances of violation : Failure to Safeguard Personal Information : Early Warning has failed to adhere to the Gramm-Leach-Bliley Act, leading to the unauthorized use and sharing of my nonpublic personal information, directly violating my privacy rights. 

Lack of Transparency : Despite my rights under the Privacy Act of 1974, Early Warning has not provided the necessary transparency in the collection, maintenance, and sharing of my personal information, leading to an unacceptable lack of control over my own data. 

Third-Party Marketing and Promotional Activities : Early Warning 's involvement in third-party marketing or promotional activities without my explicit consent is a clear violation of my rights, causing unwarranted distress and inconvenience.

The aforementioned violations have resulted in tangible hardships, including financial repercussions and emotional distress, impacting my overall well-being. I have taken steps to formally request an opt-out of these practices from Early Warning, but their non-compliance exacerbates the situation.

I am seeking your intervention and assistance in rectifying these violations, ensuring that Early Warning is held accountable for their actions. I request a thorough investigation into the matter, appropriate sanctions against Early Warning if deemed necessary, and guidance on how to mitigate the damages caused by these violations.

Your immediate attention to this matter is crucial in alleviating the ongoing distress and securing my rights to privacy and data protection.

Thank you for your prompt consideration.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

On XX/XX/ GENESIS CREDIT MANAG added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA GENESIS CREDIT MANAG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.
Consumer complaint received 2024-04-11
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PayTomorrow, LLC (AR)

MISLEADING ADVERTISEMENT I applied for Pay Tomorrow Loan on XXXX website ( XXXX XXXX XXXXXXXX ) and was denied despite the Company stating I was " Pre-Approved ''. 

I had an installment loan ( Lease to Buy ) with this Company in XXXX and abide by the terms and conditions of the loan. 

However, my grievance is with the language that it is using currently that states I am " Pre-Approved '' only to receive a denial response. 

This false advertisement at best. Pay Tomorrow is in violation of The FTC Act regarding advertising. 

Please go to XXXX XXXX XXXX XXXX XXXX. 

It clearly states get Pre-Approval Link by filling out basic information. 

Please thoroughly investigate this breach of trust. Thank you.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I was informed by XXXX XXXX on XX/XX/2023 that there was a hard inquiry on my credit report from XXXX XXXX Chase. I contacted Chase and they told me that a credit application for a XXXX XXXX XXXX was processed, approved and an account opened. I told them that this was not me and they informed me that identify theft has occured because whoever opened the account would have had to supply my social security number. They immediately closed the account and placed a fraud alert with XXXX which they said will also activate a fraud alert with XXXX and XXXX. At the same time I placed a freeze on my credit report for all XXXX  credit bureaus. I also signed up with XXXX ( XXXX XXXX XXXX ) so the fraud would not continue since now my social security number was out there. I then called back XXXX to dispute the hard inquiry since it was a result of identity theft.
Consumer complaint received 2024-04-12
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. (NC)

Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. TransUnion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (IL)

I opened a credit builder account with Chime in early XXXX. The way it was advertised is that if I deposit money into it, I use the card like I would a debit card to pay bill etc. They would then report to the credit bureau. I began depositing 50 % of my checks twice monthly with an average of XXXX XXXX going to that card. This card is supposed to act like a prepaid card. Whatever goes on it, is all that is available to spend. At some point I believe in XXXX, I noticed that my credit score was just dropping instead of increasing like they had promised in their advertising and when I checked XXXX, it showed a balance of {$1600.00} which appeared as though my available credit was negative and dropped my credit score over XXXX XXXX  I then stopped depositing money on that card or using it, and the balance still shows {$7.00} Now the issue is they're saying I owe them {$560.00}. No one was willing or able to clarify where the {$560.00} came from. Since this is not a traditional credit card, there is no total available balance for me to have over spent on that card. I can only spend what I have deposited. Now not only is it showing a balance that is impossible to have, per their advertising, but it is also showing 2 late payments which just hit my credit score again. So despite paying off all of my credit cards and most of my debts, I now have negative payment history effecting my score rather than it improving by getting myself in a better financial position. 
When I've talked to Chime about this, the only thing I've been told is to check monthly statements and they don't understand what I'm asking.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (MI)

In accordance with 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 XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

Kindly note that the presence of this information contradicts the regulations set forth in 15 U.S. Code 1681i ( 5 ), which specifically addresses the removal of inaccurate or invalidated credit information. As such, I respectfully request the immediate removal of this data. 

According to my records : 1. XXXX 2. Chrysler Capital 3. XXXX XXXX XXXX XXXX 4. XXXX. XXXX, XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I applied to extend my credit with Bank Of America and I applied for a credit card in which I was denied credit. I reached out to Bank Of America and let them know this is in fact discrimination. The consumer law does not state who is credit worthy or not, I am credit worthy and this denial put me and my XXXX year old daughter through mental and physical distress. Due to not being approved for said credit card this is now in fact fraud because I exercised my right to credit but was denied. I applied in good faith but received no benefit. I also took a look at my consumer report and seen that there was indeed a hard inquiry which hurts my consumer report as well. I'm aware that I have the right to privacy and with Bank Of America I was not only denied credit but I was also denied privacy in which I never gave Bank Of America permission to report to my consumer report.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-10
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. (TX)

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. 

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 2023-07-10
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. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.