davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX  Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Consumer complaint received 2023-06-16
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. (IN)

I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland company is taking me to court claiming I owe them money. I never sign a contractual agreement with midland funding. I am not aware of this company and their claims. I have been dealing with court hearing since XXXX. I was told by the Plaintiff advice me to complete a fraudulent report to file an identity theft. Judge also advice me to fill out a report on XXXX XXXX.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (PA)

Ally is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also Ally is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Consumer complaint received 2022-10-25
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. (CO)

When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in 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
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bull City Financial Solutions, Inc (VA)

I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to Bull City Financial Solutions. Bull City has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds Yours very truly, XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax stated in previous complaint that XXXX XXXX XXXX XXXX loan was updated as paid in full on my credit report on XX/XX/2023. Equifax has lied about updating my credit report to show that XXXX XXXX XXXX XXXX has been deleted or updated as paid in full. The Auto loan became part of my income {$19000.00} 1099-C and filed with the IRS. I will attach my previous complaint report and my recent Equifax credit report to this complaint.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX XXXXXXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

I sent a dispute directly to credence XXXX XXXX and they sent me a theft packet from XXXX. I completed the packet and sent it to XXXX. XXXX sent an email saying it would be resolved within 30 days. 30 days has come and gone and Credence is still reporting to the credit bureaus despite sending several emails that they believe the account is possible fraud. Which means they are not reporting 100 % accurate information.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent XXXX, Transunion, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account.

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.
Consumer complaint received 2018-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2023 I initiated a consumer credit transaction with AMERICAN EXPRESS, I applied and submitted an application for a new American Express Gold Card. After applying in good faith I was sent a letter stating that AMERICAN EXPRESS was unable to approve my application for me at the specified time on XX/XX/2023 due to information received from a third party agency. AMERICAN EXPRESS has utilized the information collected and have violated my right to an equal credit opportunity. AMERICAN EXPRESS is in fact discriminating against me by only utilizing that information collected and not giving me an Equal Credit Opportunity. AMERICAN EXPRESS received my collateral security and I received nothing in return by giving AMERICAN EXPRESS my application, this transaction was not equitable to me. I have called AMERICAN EXPRESS to rectify this situation and I was told over the phone by a representative that my right to an equal opportunity basically does not matter. I was also told misinformation because on the adverse letter it states that the consumer reporting agency played no part in the decision of denial but over the phone while speaking with a representative of American Express I was told that they only utilize the information from the third party agency. I have reserved my right to exercise my rights in the EQUAL CREDIT OPPORTUNITY ACT under the Consumer Credit Protection Act. ALL OF MY RIGHT TO AN EQUAL OPPORTUNITY HAVE BEEN VIOLATED. My right to safety against discriminatory violations have in fact been violated. This has affected my livelihood tremendously.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I contacted Experian, XXXX, and XXXX in XXXX of XXXX to correct inaccuracies in my credit report and Experian and XXXX declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. Experian and XXXX have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on Experian 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect addresses on XXXX 's report XXXX Two addresses are non-mailable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX, under 15 USC 6802, I opted out of XXXX XXXXXXXX XXXX reporting my nonpublic personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-11-25
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting act Capital One 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-08
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. (AL)

5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-08
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Received a letter from CHASE bank, dated XX/XX/2023 stating that both my business checking and business savings account are going to be closed effective XX/XX/2023. No explanation on why. Called the bank and they said the decision has been made and no explanation could be given. They said the bank has the right to close the account and has no obligation to give a reason.
Consumer complaint received 2023-07-13
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. (FL)

Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XX/XX/XXXX ( XXXX XXXX Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Essential Retrieval Group (DE)

They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.