davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (NY)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurious to my score. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report promptly.
Consumer complaint received 2022-12-23
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: World Acceptance Corporation (GA)

In accordance with the fair credit reporting act World Finance Account # XXXX has violated my rights. 

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

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

15USC 1666B : a creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING - XXXX has violated several of my consumer rights. 
In accordance and pursuant to the Federal Credit Reporting Act ....

15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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.

I did not receive a letter of right to dispute. I have disputed LVNV Collection Services with all 3 Credit Agencies on several attempts ( XX/XX/2022, XX/XX/2022 ) and they have not only removed the errors but recently the dispute came back verified. I know that the verification is frivolous due to the time it took to verify knowing that they did not speak to a live person. Please see to it that they comply to the full extent of the law as their noncompliance has devastated our family 's financial stature and defamed our character.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX XXXX and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX  and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Consumer complaint received 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union (WA)

I am a customer with XXXX XXXX XXXX XXXX for my home mortgage. My monthly payment is XXXX and I pay through automatic payment each month. However, on XXXX, my month payment increased to XXXX due to XXXX changes. I did not aware of this payment increase. On XXXX, I realized my automatically XXXX payment was returned by XXXX XXXX, because their system can not process partial payment, and they charge {$220.00} as late fee. I called the bank and asked them to refund me late fee many times, they rejected the request.
Consumer complaint received 2023-06-08
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. (LA)

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 ================================== 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 2023-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX at the Chase main bank building in XXXX, XXXX XXXX XXXX XXXX, I tried to do a cash withdrawal for a small amount of money. A person was operating the ATM next to me, and told me he " was just checking the ATM 's '' and said " excuse me I just want to see if the scanner is working on your ATM. '' He was wearing an orange safety belt and was holding a stack of bills in his hand and had checks in his other hand. I thought he was working for the bank. He punched the deposit button on my screen, and the deposit scanner started, and he slipped a check into my ATM. {$850.00} came up as the deposit. I told him he just put money into my account that did not belong to me. He tells me " Don't worry, I am going to take that check back if you allow me one second. '' He then punches the Get Cash button and punches in {$850.00}. I immediately hit the Cancel button and pulled my card out of the ATM. He tells me " I am not trying to cheat you, man. '' I said no way, I am not giving you cash for that check. He leaves and I went across the street to call Chase. Chase did not know what to do when I told them this. The check did bounce, and they agreed to not charge me the {$850.00}, but then days later changed their minds and charged me the {$850.00} that I DID NOT TAKE OUT. I know I did not take out the {$850.00} and the transaction was cancelled at that point. Nobody got any money. I need help in getting Chase to either show me the video of us getting money or to refund the {$850.00} charge against my account. I had been in contact with many Chase phone employees, who listened to my account of the incident, and they did agree to review the incident. The check did bounce, as I knew it would, but I was happy they did not initially charge me {$850.00}. But days later i was notified by mail that they reversed their decision with no reason given. Help me to get this {$850.00} back please.
Consumer complaint received 2022-12-23
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following XXXX XXXX XXXX. I am requesting that you promptly update and delete this unknown account. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days of receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account :
Consumer complaint received 2022-12-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 2023-04-12
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: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was unable to access my online account starting on XX/XX/2023. After contacting Citizens Bank that day, I was advised that they were reviewing my relationship with the bank and I was unable to access my account. This has been the answer I was given each time I called, with no explanation as to why the relationship was being reviewed or even an end date as to when this would be completed. I again attempted to speak with Citizens Bank today on XXXX and reached a supervisor. After explaining the situation and advising that all I wish to do at this point was access my funds and close my account, I was told I was unable to do that due to the review. When I asked when this review will be completed, I was told that there was no end date and that I may receive a letter within XXXX business days after the review is completed. At this point, I wish to end my relationship with the bank, but I am unable to and no one will tell me why.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX account # XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 Account No : XXXX and Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am not liable for any debt with XXXX XXXX Apartments I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing. 
I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections. 
I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.
Consumer complaint received 2024-04-01
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. (GA)

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802.

15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. 
( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NC)

I was under the impression from Navy Federal that if I paid my old debt from XXXX plus years ago I would be able to gain membership again. I paid the XXXX dollars to the branch in XXXX sc. I then wrote a letter to the Ceo who then just passed it off to someone else who passed it on. I was then notified on Thursday XX/XX/XXXX th that since the bank took a loss the would not be reinstating my membership with. Navy Federal. I then asked for a refund of my money they then transferred me back and forth for over XXXX minutes and when I finally asked for a supervisor they hung up on me. At this point I don't want my membership back I just want my XXXX
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.