davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name : XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

I AM ONE TO CHECK MY CREDIT OFTEN AND THIS APPEARED SUDDENLY TODAY. THIS DEBT IS OVER 8 YEARS OLD AND THIS IS ILLEAGAL FOR THEM TO KEEP REBUYING AND RESELLING ONES INFORMATION ( THATS OVER 8 YRS OLD ) TO NEW CREDITORS THEN THEY MESS UP CREDIT. THAT NOT RIGHT UNDER THE FCRA AND I WANT THIS DEBT COLLECTION TO CEASE AND DESIST NOW. ARE YOU ALL THAT DESPERATE FOR BUSINESS. ON TOP OF THAT ITS ILLEGAL. 

IN TEXAS, THE STATUE OF LIMITATION FOR DEBT COLLECTIONS IS FOUR YEARS. 

SO I SUGGEST YOU ALL REMOVE THIS AND STOP RESELLING PEOPLES INFORMATION THEN IT POPS UP ON OUR CREDIT WHEN ON TOP OF THAT THERE WAS NEVER ANY NOTIFICATION ( WITH A CURRENT DATE THATS NOT EVEN VALID ) GET YOUR XXXX TOGETHER AND STOP WITH THIS ILLEGAL ACTIVITY!!!! IT JUST MAGICALLY APPEARS ON THERE. LUCKILY FOR MYSELF I KEEP ON TOP OF MY CREDIT AND ALSO I KNOW FOR A FACT THIS IS ILLEGAL SO PLEASE REMOVE THIS FROM ALL THRE CREDIT BUREAUS PERMANTELY.!!! 

WHO KNOWS WHAT JEFFERSON CAPITAL EVEN IS. I HAD TO XXXX THE XXXX AND IT HAS ONE STAR OUT OF FIVE. SAYS ALOT. HOW THE XXXX DO YOU ALL POP UP WITH SOME MAGICAL DATE TO SLAP ON PEOPLES CREDIT. YOU ALL ARE PATHETIC. REMOVE THIS XXXX NOW
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (TN)

I am writing to dispute inaccurate and duplicate accounts on my credit report, which have been reported by your agency. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to address these violations.

As per the recent legal precedent set in Westra v. Credit Control Services , Inc. ( 2016 ), it has been established that furnishers of information to consumer reporting agencies must ensure the accuracy and integrity of the information they provide. In this case, XXXX XXXX XXXX XXXX XXXX was found liable for inaccuracies in reporting, highlighting the obligation of furnishers to comply with FCRA requirements. 

The inaccurate and duplicate accounts in question are negatively impacting my creditworthiness and financial standing. Therefore, I demand the immediate deletion of all accounts associated with your organization due to violations of FCRA, specifically inaccurate data and duplicate accounts. 

Furthermore, I have previously requested the following information from your organization to validate the debts and correct the inaccuracies : Errors & Omissions Insurance Number Bill of Assignment file from the Original Creditor for third-party collections Documentation indicating whether your organization has filed an insurance claim or if a 1099-C has been filed Verification of your organization 's license to collect in my state It is imperative that you provide the requested documentation as proof of the validity of these accounts. Until such time that these documents are provided and the inaccuracies are corrected, I demand that all reporting on these accounts be ceased immediately. 

Failure to comply with these demands will result in further legal action to enforce my rights under the FCRA.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

To Whom It May Concern : I noticed in my consumer report there is a collection account Credit Coll reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is Credit Coll. I do not own this account, nor do I have any knowledge of this account. Credit Coll is violating my consumer privacy rights.

I

m requesting that Credit Coll cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition Credit Coll is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. Credit Coll is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that Credit Coll is not licensed or bonded to do so. 

I hereby assert that Credit Coll debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation Credit Coll to pursue damages and ensure accountability for their actions. 

I am formally requesting that Credit Coll promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (CA)

To Whom It May Concern : I noticed in my consumer report there is a collection account Oportun Progreso Finan reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681.

The collection company that is reporting this fraudulent information is Oportun Progreso Finan I do not own this account, nor do I have any knowledge of this account. Oportun Progreso Finan is violating my consumer privacy rights. 

Im requesting that Oportun Progreso Finan cease and desist from reporting fraudulent information to all three major reporting credit agencies. 

In addition Oportun Progreso Finan is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. Oportun Progreso Finan is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that Oportun Progreso Finan is not licensed or bonded to do so. 

I hereby assert that Oportun Progreso Finan debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation Oportun/Progreso finan to pursue damages and ensure accountability for their actions.

I am formally requesting that Oportun Progreso Finan promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 

Account number : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion is reporting 5 Inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and TransUnion has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Well, for the last few months has been working on the loan modification process. Every so often I receive an email, status : In process. Then, this morning I received an email your account is now past due. I hope this did not get reported to a credit report because there will be XXXX to pay. Now back to logic, went back to all their email and there is no status : completed. There is a correspondence now available. Which means nothing to me. The other question is why not send me your bill is ready to pay? Like most modern organizations send. I will go even further, why not send an email, which is automated, the next day the first payment is not paid? I am not into conspiracies but is it that you want to ruin people 's credit? I have not yet seen anything negative on my report but XXXX they are so under-prepared for the task that it may be months before they report it to the credit bureaus despite the regular monthly report. The kicker is that on their website, it reads we are overwhelmed with calls and emails, send us regular mail. What kind of a XXXX show is that? Not even a government agency, well maybe a couple will ask for regular postal service.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent letters over and over again to Transunion to please open my credit file so that I can see it, I have yet to do so. I am not able to view my credit report with TransUnion. I ask the CFPB to please ask TransUnion to open my credit file but they have flat out refused. Each time I go through all the steps it tells me at the end they can not do my request at this time This is plumb crazy. They have flat out refused to open my credit file.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion Consumer Relations, has allowed the company XXXX to check my credit 3 times without prior permission from me. I have block/freeze/plus additional blocks on my credit report. XXXX has checked my credit 3 times in the pass three years, This is not normal behavior for companies to check your credit 3 times in three years. None of my other creditors has done this. XXXX has done this with out my prior permission. There is suppose to be a statement on my credit reports that companies has to call me before they check my credit, but TransUnion allowed them to check my credit, evidently TransUnion did not place the freeze/block on my credit report. It says there is a block on my credit but XXXX got into TransUnion credit reports and checked my credit 3 times, once in XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Why?????? 
Why was this? apparently there was no block on my credit, but they have me blocked out from viewing my credit report or doing anything else about my credit. They allow others to access my credit. I founded this out through Credit Wise/TransUnion . TransUnion does not treat their customers fairly. They need to treat consumers the way they want to be treated This is not fair to any of us.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$45.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$400.00}. 
XXXX XXXX XXXX : {$60.00}
Consumer complaint received 2023-08-30
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. (MD)

On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Transunion on several different occasions to put a statement on my credit report where some company sent information to them that I owe them money and I don't owe this company any money at all. I ask Transunion to put a statement on my credit report that I have denied owing this company called XXXX XXXX. I have also sent them letters asking them to place a statement on my credit report stating the company must contact me first before they check my credit along with my phone number. Any company requesting my credit report they must call me first before they check my credit because I am a victim of identity theft. They did not do it. I have sent them several letters also concerning my credit report. They have it blocked where I can't see anything on my credit report. I did receive a copy of my credit report by mail when I could have looked at it on my computer. I have asked them several times by mail to please unlock my credit report so I can take a look at my report, They have not done that. this has been going on for months now. Every time I try to access my credit report it tells me that and error occurred, for months now this has been going on. They also said I could report file a dispute on line but it will not allow me to even do that either, In other words I can't do anything on line concerning my credit report. Everyone else else gives mr my credit score for free but not Transunion. They refuse to give me my credit score. They want me to pay for it but other companies are free.
Consumer complaint received 2023-06-20
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 the fair Credit Reporting act, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : 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 602 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 agency may make any consumer reporting 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 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX I am the executor over XXXX XXXX XXXX. I have a complaint against Bank of America. XX/XX/2022 someone stole her check book and multiple people wrote checks that totaled $ XXXXShe contacted Bank of America in XX/XX/2022 to report what happened they gave her the run around. She contacted XXXX XXXX XXXX he works with Adult Protective Services to assist her with resolving this matter. He also contacted Bank of America and helped XXXX submit multiple claims to make sure that all the checks had been reported. Checks were also written on her ex husband XXXX XXXX and they refunded his money but did not refund XXXX 's money. Unfortunately, XXXX died XX/XX/2022 from a XXXX she was stressed out because of this situation. When she died I went to Bank of America in XXXX XXXX to see how we could get this matter resolved spoke to XXXX XXXX XXXX she told me that she remembered her coming in and reporting what happened. She told me that we had to get letters of administration before she could give us any information after we went through probate to become executors over her estate I went Back to bank of America. she gave me the estate departments number and told me I needed to contact them XXXX. I spoke to a XXXX she told me that they denied her claim because per their deposit agreement disclosure it requires customers to review their bank statements within 60 days which is not true she checked and reported those checks in XXXX the police report was filed XX/XX/2022. I have several claim numbers showing where she filed a claim to get this resolved she spoke with a XXXX and XXXX in the fraud department XXXX, XXXX, XXXX, XXXX. I have attached a copy of the police report people were arrested. She was an XXXX Veteran and a faithful customer to Bank of America it a shame to know that this is how they treat their elderly XXXX customers.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the DEPT OF ED/XXXX account ending in XXXX. These includes two 90 day late payment posted in XX/XX/2017 and XX/XX/2017. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.