davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MA)

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of the inaccurate accounts that I would like removed. I am in the process of XXXX XXXX XXXX for my family and this is hindering me from doing so. Please review all of my documents and remove all the accounts that are listed.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 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 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Check # XXXX in the amt of {$330.00} cleared my acct on XX/XX/XXXX, XXXX the funds were deducted from my acct. Then on XX/XX/XXXX the same check was put through again which caused my acct to be overdrawn. The bank has reversed the fees for being overdrawn however I can not access money from my account because the bank says it will take 3 business days to resolve their error. Being Friday the weekend doesn't count so I must wait 5 days to get access to my money!
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

XXXX of 2023 I received a credit alert as a new collection on my credit report. Jefferson Capital Systems. 
The original creditor was XXXX XXXX. 
The Company claims under the FCRA rules they can " park '' the debt and refile it as many times as they want in the statute of limitations.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (MO)

These XXXX  are playing games. They have unrestrict and restored my account but won't let me transfer my money. I'm sick of their XXXX. They responded to my complaint on this site this morning saying they have resolved the issue. I am in no different of a spot today than I have been for the last week. I just want my money and be done with them. They asked for documentation from my bank I gave it to them. I have done nothing wrong with this company that they can find. This is harassment and they are frauding me holding my money XXXX. I want something done with these XXXX.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to dispute the accuracy of late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reporting of late payments. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation 15 USC 1681a ( d ) ( 2 ) ( A ) )
Consumer complaint received 2024-01-15
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. (CT)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, XXXX status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's 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 XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 XXXX  reports within XXXX XXXX, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX  : Application For Award For Original Information Overview with the Internal Revenue Service against XXXX  entities involved.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL (NC)

The company did not explain why they were contacting me. There were multiple individuals from multiple " law firms '' who sent frightening business matter text messages to me. I finally determined who they were once I reviewed my credit report and saw that this old debt had been sold AGAIN to another collection agency. I blocked each text message only to have more sent in addition to receiving 4-5 phone calls per day.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (AZ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! 

I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. 


I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.
Consumer complaint received 2023-10-11
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. (UT)

This Dispute Letter is being submitted in light of the recent Overhaul of Consumer Records by the Credit Reporting Agencies. I have recently paid for a copy of my credit reports, looked at my credit file, as is being reported by you, and noticed there are several inaccurate, unverified accounts and/or items on my report. This means that the below-listed accounts were not opened by me and that I did not profit or gain anything from these accounts having been opened under my name. 
Additionally, this letter is a Formal Request to remove all other names, addresses, birthdates, social security numbers, or phone numbers that are not consistent with the above -referenced information and confirmed by the attached copy of my Driver 's License, Social Security Card , and Proof of Address. 
The below-listed companies have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I did not know. 
They are listed as follows : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX 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 2017-12-18
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: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.
Consumer complaint received 2023-04-24
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. (NC)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC (TN)

I have filed numerous complaints against Accelerated collection Co and there has been no response. I have two cfpb account open # XXXX and XXXX and no response from neither Accelerate collection nor CFPB. This collection that has been falsly reported has now cause my FHA home loan to be denied. I am not doing able to provide my family a new home due to this error and credit abuse. I do not owe this bebt and no proof has shown that I do
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Service written leters to dispute all accounts asked to send validation letter never got asked to removed them never did sent certified mail to them nothing in return got plenty of phone calls from them.I asked in a handwritten certified letter to validate the debts and they did not asked them to remove them since it was hurting my credit report nothing. They brought the debts from another company I dont owe them I might owe the other companies if they are valud.
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (WI)

Company names JPMCB auto finance .has on goin disputes using transunion credit report company. XXXX Refused to remove this account. Been already been verified account doesn't match. Police report. JPMCB auto refuses to give any information due to account doesn't.match. I'm unable to receive credit continue denial decision due XXXX on going .Disputes records has went as far as XXXX using Consumer CFPB fair report company.. seen also alert CFBP.customers Has alert. using XXXX finial decision has been made. month XXXX XX/XX/year> received a letter written by. XXXX XXXX XXXX. Phone XXXX ext XXXX provided decision Monitory written off. Apologies for inconvenience thanks for my service.veteran. Closed file CFPB complaint.. requested survey. Instead.l Received different letter. on XXXX XXXX the letter stated Monterey write off was removed. l received a different alert CFPB. Provide a different letter requesting additional information. Which seems not fair.. So l Tryed contact JpMCB chase lto speak XXXX XXXX. refused to discuss matter..fellow co worked started XXXX XXXX. Will call me he was on the phone with another customer. XXXX t l called. Company started he left. For day. to resolve decision. l spoke to CFPB whom suggested l need to seek legal affairs. Due. How this account has been handled. Prior XXXX advised me to get police report. Who also stated informed information they have don't match .company couldn't provide me any information .l request JMCB. Chase auto to please stop report on my credit file company refuse XXXX l received different decision letter on the same day XXXX reported account being removed. From Off my credit report .l don't have any money. I don't owe this company who's using trans to force money that not owed..
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

I recently reviewing my credit report and it shows {$240000.00} in student loans, which is more than double what I actually have. My loans were originally serviced by Nelnet, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the Nelnet loans showing up as transferred or closed, they showed up as open. I submitted a dispute on XXXX on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The Nelnet loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my student loan balances.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-13
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. (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a crediXXXX  card account under open consumer credit plan as late for any purpose