davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Dividend Solor financed our solar system for {$78000.00} and paid the provider ( XXXX XXXX ) in full before the system was completely installed and working properly. XXXX XXXX went bankrupt, and we are stuck with a system that does work properly and a roof that was damaged during installation. Dividend offered to defer payment until the system was installed and all issues were corrected. This initial repair took over six months. During the initial first try, the repair team noticed damage to my roof from the initial installation of the solar panels. The project team said they would send a team out to look at the roof and said it may take a few months, it has now been over six months and the the wood under my roof continues to deteriorate so I have contracted to have the repairs done out of pocked for almost {$8000.00} Once the initial try was finished, Dividend ended the deferred payment and closed the case and did not notify me or communicate anything to me. Since I was not notified, I did not make any payments thinking I was still in deferment. They have since added nonpayment to my credit report and sent the account to collections. They are not willing to discuss any alternatives even though I am willing to bring the account current as long as they remove the credit delinquency and pay for or at least part of the roof repair. 

I think this lender has some liability and only wants to dispose of any and all account associated with XXXX XXXX, leaving me and other victims holding the bag.
Consumer complaint received 2024-02-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

It was removed off of my credit report on XXXXXXXX XXXX XXXX  Either you take it back off or I will continue to persue this further. Me contacting CFPB was just a warning. You will end up paying additional legal fees to defend this in court because I have proof where it was taken off.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 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.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on my Credit Report?
Consumer complaint received 2024-01-10
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. (NJ)

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 Notice Pursuant to 15 USC 6802 Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect XXXX XXXX XXXX XXXX to adhere to the following requirements : XXXX. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties. 
XXXX. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, XXXX, and Equifax. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I rented a car with XXXX XXXX XXXX XXXX XXXX XXXX. I made a reservation online at $ XXXX for 5 days. My booking confirmation said that my total was {$170.00}. ( I had never booked a car before in the US, so I had no reference and believed these low prices. ) When I went in person to the store, I verbally confirmed these dollar amounts with the attendant. He charged me {$860.00}, and assured me that the difference was the deposit, and that as long as nothing happened I would get most of my money back. Instead, they have charged me this amount ( {$860.00} ) just for the 5 days of rental, plus {$210.00} for me dropping the car in XXXX XXXX instead of XXXX ( which I was forced to do ; when I heard of the exorbitant price they were charging me, I was nowhere near XXXX, I just wanted to return the car ASAP. ) They were super rude and unhelpful, denying that they had lied to me, claiming that the extra charges were " other packages included '', refusing to provide me with an address to return the car, lying about me not leaving the car keys and threatening me with tow truck charges ( a lie that they quickly dropped once I told them I had filmed the car return. ) I am positive that this was no miscomunication nor misunderstanding, but a malicious effort to mislead a custumer that successfully earned them XXXX times what i had agreed to pay. To me this is a scam, fraud, whatever is the correct legal term for it. 

As for Chase - my credit card issuer : unfortunately, I opened a dispute with Chase, but they have sided with XXXX. I sent them a XXXX document that I prepared, containing text ( all the details ), prints, photos, documents. I have spoken with multiple people from the Disputes team, including the manager, XXXX, but no one gave me the impression of having read my letter. In fact, when I asked XXXX why on earth they sided with XXXX despite all the proof that I had been mislead, he told me that XXXX provided them with an invoice, and that was enough for Chase. He implied that, whatever I had to say, had no weight against that. So now I feel mistreated by both this car rental company, and by Chase, which I have been a client of for the past 17 years. I no longer trust them to protect my rights.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NC)

On account of the XXXX of my skin and in further violation of UDAAP, Goldman Sachs falsely said they were going have an escalation representative call me back but didnt because I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX also should have. I was lied to by customer service that I received a call back and the case was closed - when I never received any call back and my case was ignored because I was just an uppity XXXX who dared to speak up for my rights.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I am disputing a collection account from UNITED REVENUE, which is reporting a debt related to XXXX XXXX XXXX The account details are as follows : - Account Name : UNITED REVENUE - Account Number : XXXX - Original Creditor : XXXX XXXXXXXX XXXX - Balance : {$1400.00} - Status : Collection account On multiple occasions, I have requested validation of this debt as required by 15 USC 1692g. However, I have not received adequate validation, and the debt collector continues to report this debt on my credit report. Additionally, there have been instances of harassment during the collection process, which violates 15 USC 1692d. 

Despite my disputes, XXXX has verified the information as accurate without providing the method of verification. This lack of transparency and failure to validate the debt appropriately is causing undue harm to my credit standing.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo issued me a check for {$200.00} but has failed to provide me the reason for this check. I refuse to cash the check to protect my rights against WF. I need to know what the error is that WXXXX committed.
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: VYSTAR CREDIT UNION (FL)

I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

CFPB, THIS COLLECTION COMPANY NEEDS TO BE INVESTIGATED FOR NOT FOLLOWING THE RULES, REGULATIONS. THATS CLEARLY STATED ON THE ( IRS ) WEBSITE ABOUT CHARGE OFF ACCOUNTS.
Consumer complaint received 2024-01-10
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. (FL)

I am writing to request the removal of the following account from my credit report due to identity fraud : Creditor Name : XXXX XXXX XXXX XXXX Partial Account Number : XXXX 

I am requesting that this account be immediately removed from my credit report in accordance with the Fair Credit Reporting Act. I have already taken the necessary steps to report the fraudulent activity to the appropriate authorities and have included a copy of the proof of identification / address and the police report/ FTC identity theft report with this letter. 
I understand that it may take some time for the fraudulent accounts to be removed from my credit report. However, I am requesting that you provide me with written confirmation that the accounts have been removed within 7 days of receiving this letter.

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 4 business days after the date of receipt.

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 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 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 listed IMMEDIATELY!
Consumer complaint received 2024-01-10
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. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

Unsolicited Calls Beginning XX/XX/XXXX - This company has made calls to my personal phone number for the following dates ( without cause, reason, or voicemail ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) On XX/XX/XXXX - my verification letter and request to cease telephone contact for return response via mail only and written validation was confirmed received by the company. 

However, I have not received any letter of validation or written response via mail from the company. Instead, they have violated 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act - continuing to call on the following dates ( record as of XX/XX/XXXX ) : - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) In all eighteen ( 18 ) cases of phone contact since XX/XX/XXXX, there has been XXXX instances of identification from calling entity, or explanation/validation for contact. Under 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act, I clearly provided formal, written notice for the company to discontinue all telephone calls. I requested in return, a response via USPS letter, to provide validation and reasons for contact. At this point they have proceeded to neglect my verification request and attempted to continue contacting me by phone ten ( 10 ) times since the return receipt of my letter.
Consumer complaint received 2024-01-07
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. (MI)

In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX mi XXXX Has violated my rights 15. u.s , c 1681 sections 602 A state i have the rights to privacy 15 u.s.c 1681 section 604 section 2 has also states a consumer reporting agency can not furnish a account without my written instuctions
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I submitted a check payment for my credit card payment which was due. Capital One is now claiming they never recieved the payment and are charging me a late fee of {$39.00}. 

I am already drowning in debt and cant afford this fee.. I have requested them assist me and they were rude and hung up in my face. 

Also, I am not getting any notification of when payments are due, I have asked them to notify me of due dates and they still do not.
Consumer complaint received 2024-01-04
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CO)

Nelnet is reporting that I have {$360000.00} to XXXX. I called Nelnet and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.