davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (WA)

On XX/XX/2023 : I contacted a health and fitness website named XXXX on their website, they directed me to apply for a course in coaching for diet and exercise. I told him I would have to talk to my husband, I made a mistake and put my info in to see how much the loan would cost ( XXXX would not tell me, he said he needed control of my computer ). I wanted to see if I could afford it. XXXX told me to click a link to Affirm.com a Credit and Loan Company. They said We'll email you as soon as your loan is confirmed, and at that point, your payment plan will start. For your {$2900.00} loan, you'll make 12 monthly payments of {$240.00}, with an APR of 0 %. To view your loan details, sign in to the Affirm app, or go to affirm.comXXXX 
Enjoy your purchase! Until your loan is confirmed, it will show as processing in your Affirm account. That's nothing to worry about! 

I contacted Affirm.com, to cancel the application but they ignored me and processed it in record time and have already sent the money to XXXX. I contacted Affirm and XXXX  to CANCEL within less than 20 hours, while the loan was still in process. Instead they processed everything in record time to the tune of {$2900.00}. This was bate and switch. I am a XXXX Veteran and a XXXX XXXX. What are my options?
Consumer complaint received 2023-09-07
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. (GA)

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

Account name : XXXX XXXX XXXX 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, 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 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 2023-09-27
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. (MI)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

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 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 2023-09-27
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. (MI)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (LA)

CFPB Complaint Letter Regarding IC Systems Collection Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  Email Address ( XXXX ) Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Collection Practices of IC Systems Dear CFPB, I am writing to file a complaint against IC Systems, a debt collection agency, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX Dispute of Alleged Debt I am disputing the validity of all debts that IC Systems claims I owe. I have no knowledge of these debts and have not had the opportunity to dispute them previously. 
XXXX. Revocation of Communication Rights I hereby revoke all of IC Systems ' rights to communicate with me regarding this alleged debt via email, text messages, or calls. All future communication must be made strictly through written correspondence sent to the address listed above. 
XXXX. Request for Validation Pursuant to my rights under the FDCPA, I demand written validation of this alleged debt. This validation should include : The amount of the debt The name of the original creditor A breakdown of the charges XXXX  Request for Verification and Method In addition to validation, I request verification of the debt and the method used for verification. Please specify how IC Systems determined this debt belongs to me.

XXXX. Request for Contract and Licensing Information Furthermore, I request a coyp of the original agreement or trilateral contract between IC Systems and the original creditor. I also request proof that IC Systems is licensed and bonded, as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 15 U.S.C. 1681s-2 ( 7 ) ( a ). 
XXXX Lack of Proper Notification I am unaware of receiving any prior notification regarding this alleged debt. If you believe proper notification was provided, please furnish a copy of the certified receipt with my signature confirmin delivery. 
XXXX. Response Request I request a written response to this complaint within 15 days of receipt. Your silence on this matter will be considered acquiescence to my demands. 
Thank you for you time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ( ID and Proof of address )
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I was a target of a scam where the criminals withdrew via XXXX {$4300.00} from my checking account. I am still unsure how the criminals were able to get so much information about my account including my latest withdrawals, address, etc. Because of the information they had and they were calling from a published Regions number on my caller ID, I did not question at the time. Presenting themselves as Regions fraud department they were asking me about debit card purchases which I informed them were not correct. I asked for a new debit card and within that exchange I had to verify through another robocall information that came through a Regions robocall. As I understand it now, through those calls I was authorizing the ACH transfer. Regions has told me because the transaction was with agreed upon security procedures, they will not return the money to me or accept my claim.
Consumer complaint received 2023-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

In XXXX of last year, my identity was stolen. I filed a series of complaints with the CFPB on XX/XX/XXXX. My COMPLAINT IDs = XXXX, XXXX, XXXX, and XXXX. I also filed a police report with the XXXX XXXX Police Department in XXXX XXXX, SC. 

The person who stole my identity leased an apartment with the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX. Last month, my XXXX credit report reflected that I owe {$970.00} to Helvey and Associates, a collections agency, for an unpaid utility bill to XXXX XXXX Florida. This bill is associated with the lease that was fraudulently taken out in my name and is the result of identity theft. I called Helvey and Associates on XX/XX/XXXX to confirm that the charge was associated with the address listed above, and they confirmed this to be true. 

I am attaching the police report I filed in XXXX along with my current credit report and a screen shot of the Helvey and Associates charge.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. Experian already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX reported to XXXX XXXX and Equifax that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Consumer complaint received 2023-09-27
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. (NY)

I am reaching out to inform you of an ongoing issue with Transunion, which remains unresolved despite my previous complaint filed with the CFPB, bearing the ID : XXXX As stated in the original complaint, I have been contending with inaccurate reporting and predatory lending behavior by XXXX. I had reported discrepancies to all three major credit bureaus, with XXXX and XXXX having since resolved the matter. Unfortunately, Transunion has failed to remove the inaccurate information from my credit profile within the statutory 30-day resolution period, contravening the norms set by the Fair Credit Reporting Act ( FCRA ). 

The delayed response and lack of corrective action from Transunion have further exacerbated my financial difficulties, impeding my ability to secure crucial financing for XXXX bills and a much-needed XXXX. This continued misrepresentation of my credit profile is causing significant undue stress and hardship. 

In this new complaint, I implore the Consumer Financial Protection Bureau to intercede and expedite the resolution process with Transunion. I am hopeful for an immediate and positive response from Transunion to remove the XXXX accounts from my credit report, with ramifications reflective of the resolved statuses by XXXX and XXXX. My Transunion report is the only report that does not align with all of the other credit bureaus. 

To recapitulate the core grievances from my original complaint : XXXX violations of the original loan agreement and engagement in predatory lending practices have resulted in incorrect and damaging information being reported to the credit bureaus and collections even though the loan had reached its 15 years maturity and payments made have already amounted to over 500 % of the original debt. Additionally, the loan servicer XXXX mishandled communication of payments due and did not resolve inquiries in a timely manner to prevent late payments. 
Transunion has failed to undertake adequate corrective measures despite provided evidence and has not resolved the dispute within the mandated 30-day period. 
I am seeking the following remedies : Immediate removal of XXXX accounts from my Transunion credit report. 
Confirmation from Transunion acknowledging the resolution of the aforementioned inaccuracies. 
Any additional relief that the CFPB deems appropriate to compensate for the inconvenience and distress caused by Transunion 's inaction. 
I appreciate your continuous support and intervention in ensuring a fair and timely resolution to this matter. As mentioned, previous complaints can be referenced at the ID XXXX. 

Thank you very much for your attention and assistance in this matter.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I observed my credit being incorrectly reported by Equifax and promtly filed a dispute. My credit report was stating that XXXX XXXX XXXX XXXX Florida XXXX XXXX had a late payment for XX/XX/2023. We had previously addressed this inaccuracy with the bank who advised us to contact our credit reporting agencies. On XX/XX/2023 I received a notification that equifax had closed my dispute with no changed made. On XX/XX/2023 I called equifax to address why the dispute was closed period. I was told that they do not take the word of the consumer and I advised them that I provided them with the bank and payment statements. The man advised me they only believe what the reporting entity tells them. I advised him that this was wrong and he told me to call them. I previously had to address this with XXXX who promly addressed and corrected my dispute. I have attached the equifax dispute and their response, the bank statements with payment dates to the bank, what my XXXX report shows vs equifax report. This is ruining my payment history from good as it should be as XXXX has to poor which is what equifax is reporting. Please help me correct this issue.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion and XXXX continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is  noncompliance and unverifiable.
Consumer complaint received 2023-11-06
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

This debt is from owner of a townhome that we rented 2 years ago. They put a debt ( I found out about it 4 months ago ) with amount of XXXX . When we lived there I didnt work because I just immigrated from another country, so my husband paid for lease. My spouse ( currently we are going through divorce ) paid them off XXXX of all amount and then stopped for some reason ( his credit report shows that he owes them XXXX $ ). I dont have this debt on my credit report, they just bother me by sending multiple emails and every day phone calls ( I am not answering on the numbers that I am unfamiliar ), so I cant tell what they want to.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2023 To Experian XXXX XXXX XXXX XXXX, TX XXXX To Experian on XXXX XXXX I sent letter request to have deleted JPMCB account number XXXX, from my credit file and also sent XXXX report letter, account delete and Experian report, see attached Please find enclose XXXX XXXX account number XXXX, delete letter Please delete XXXX account number XXXX from my credit file ASAP .and send me a confirmation letter and copy of my update file within 7 days Thank you XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports