davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (PA)

I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

CFPB ComplainXXXX XXXX XXXX fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. 

This debt was already deemed invalidity by another debt collector for the same company. Please see the attached.
Consumer complaint received 2024-04-16
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)

To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Account # XXXX ], If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress. 

This is my recent response that I am unable to submit to all XXXX credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

Experian has charged one of my XXXX credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, Experian is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, XXXX, at some point presented me with a response from Experian that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN XXXX to try to substantiate their claim. XXXX has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave Experian my personal information, and it seems that XXXX refuses to stop their attempts to bill me. In addition, I attempted to try to login into Experian 's website, and the website stated that I did not have an account. I provided this to XXXX via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that XXXX can create a reason to reduce my credit line or deny me a credit card.
Consumer complaint received 2024-01-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet this is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (MI)

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 XXXX business after the date of receipt. It has been XXXX  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 list IMMEDIATELY!

Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX {$3700.00} XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (FL)

Allied Interstate LLC has called me numerous times from different numbers all different times of the day! They were looking for my elderly dad, XXXX XXXX who had XXXX ( not well ) and I am not giving them info. I told them he doesn't live here and to take me off their list! This hasn't stopped it!
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (GA)

I received a collections notice that stated that I had until XX/XX/XXXX  to dispute debt and they must stop collection. On XX/XX/XXXX  I sent in a dispute about the exact amount owed not being {$710.00} to XXXX for 2 months of usage. I was informed that I should hear back within 7 days to continue the investigation. On XX/XX/XXXX  this debt was added onto my credit report without any other notices or contact. On XX/XX/XXXX  I received a letter stating that the creditor sent information to validate debt. I was never given an additional 15 days to continue dispute. I actually only paid {$630.00} after disputing directly with XXXX on XX/XX/. I was not given my allotted time to dispute and discuss the debt.
Consumer complaint received 2024-01-05
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: CAINE & WEINER COMPANY, INC. (CA)

Subject : Urgent : Compliance Request Regarding Protection of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ] Dear To : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter XXXX, Subchapter IDisclosure of Nonpublic Personal Information.

As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.

In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.

I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.

Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. 

Thank you for your prompt and diligent attention to this important consumer protection matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-04-16
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)

To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Account # XXXX ], If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (KS)

I signed up for a Citi AAdvantage card but never got one in the mail. I was given the number after I applied briefly and I bought something to activate the point offer. I paid my bill over the phone and got a confirmation email. After, I asked them to close my account. They said they did but I never received any confirmation. I called again and when I asked for confirmation they hung up on me. Please help, I feel like there is nothing I can do
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (SC)

I paid the debt on XX/XX/XXXX. In XXXX ( info below ). 

I received notice from a different debt collection agency that this debt was not paid. I called and sent information via email to the debt collection agency showing it was paid, and they still said it had not been paid. 

Note : I sent a receipt for payment that was sent to me via email. 

-This debt appeared on my XXXX credit report as unpaid debt. 

XXXX : Date Paid to 1st debt collection company, receipt sent via email on XX/XX/XXXX : Keystone Healthcare 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 -Date I disputed the 2nd company to contact me for the debt.

-Date they denied my dispute, despite my evidence of having paid the debt ( a receipt from the 1st company and my credit card statement with the amount paid ). 

XX/XX/XXXX Date I sent email with info above to the 2nd debt collector, Asset Care Sent to XXXX Account Number for Asset Care : XXXX Asset Care, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Date I recieved a letter from Asset Care saying the information I provided was not accepted.
Consumer complaint received 2022-10-24
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. 

Account name : XXXX XXXX  # 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 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. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2024-04-16
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. (PR)

In my credit initially appears a debt of a car that I made with XXXX. 

This debt was transferred to XXXX Bank, for the month of XXXX and XX/XX/2019 they reported a delay that is not correct. I even went personally to XXXX and they do not know how to confirm these arrears. 

Then I have made multiple steps with TransUnion medinate call or letters and they write me that the information is correct. 

When XXXX Bank itself can not confirm these arrears. 

Who is lying? TransUnion or XXXX Bank? 

So who here is protecting us as customers? 

I am therefore demanding that this XXXX Bank account be corrected or removed from my credit. 

XXXX Bank Account XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IA)

Hello, I carry a card with Citi, my available credit card limit is 3x the amount I intended to charge. I notified Citi that a large amount would be charged ( purchasing appliances ) via their app I received confirmation this was good to go. Upon purchasing, my card was declined. I responded to their text promptly confirming if this transaction was me and was notified my transaction was declined. I have called 4x to attempt to call and resolve any confusion and was told because I do not have a landline, a work phone number my account will now be locked for 10 business days awaiting a letter.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I previously contacted Navy Federal informing them that they are clearly in violation of my consumer rights. I've also put them on notice that Federal law supersedes Company policy. NFCU is reporting inaccurate and incorrect information on my consumer report and is causing a great deal of hardship for my personal and family household. I've attached my letter with the violations and remedy that I seek.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please 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.