davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-11-23
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: 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. 

XXXX account number # XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX account numbers XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I discovered 2 accounts placed on my credit report that are showing as Closed, Late, Charge Offs, both with incomplete account numbers from XX/XX/XXXX and XX/XX/XXXX respectively. XXXX XXXX acct XXXX Opened in XX/XX/XXXX Closed in XX/XX/XXXX and Applied Bank Acct # XXXX Opened in XX/XX/XXXX and Closed in XX/XX/XXXX. I have disputed these accounts as unverifiable and requested supporting documentation according to the XXXX XXXX Compliance and to obtain validating proof from the creditor showing a signed contractual agreement bearing my signature. I have also contacted the creditors via certified mail requesting the same information and have yet to receive the requested validation. This is a violation of the FCRA and FDCPA and Experian is allowing this to continue after over 10 months of requesting validation.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax is reporting a closed account with a balance owed. 

The account is from XXXX XXXX XXXX. 
This account has been settled since last year and Equifax is not doing a good job reporting accurate information on my report.
Consumer complaint received 2023-09-14
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. (IL)

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 168XXXX everything has to be 100 % accurate. Once again, I demanding this account be deleted.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-22
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MT)

Since last XXXX I have been charged interests on my Amazon.com store card ( managed by Synchrony Bank ). On that card I have promotional balances at 0 % interest and regular purchases at 29.99 % interest. Every month I have been making extra payments to cover the regular purchases and the minimum on the promotional balance so to avoid an interest charge at 29.99 %. A few times I called to allocate the payment to the proper balance ( but not always ). 
Whenever I call and complain about interest charges the representative ( last one I spoke to was XXXX ) tells me : the system will allocate first to the promotional balance and it's up to you to call and request a different allocation. I quoted the Credit Card Fairness Act and she told me that it doesn't apply to this card because it's a store card and not a credit card. A store card is a credit card. XXXX also told me that she works for the bank therefore she knows better. 
The Credit Card Fairness Act states that : If you make more than your minimum payment due, creditors must apply the excess payment to the balance with the highest interest rate. If you make only your minimum payment, the lender can apply it to lower-rate balances. 
Obviously Synchrony bank does not see it that way, and I'm lead to believe that they are defrauding many customers with this scheme. After a long wait I managed to speak to a manager, XXXX, who XXXX much debate finally agreed to remove part of the interest : {$40.00} and some cents. 
I'm including my statements since last XXXX for your verification. Thank you
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

On XX/XX/2016 I received an email from Nationstar that my home mortgage loan servicer was changed from XXXX to Nationstar. On XX/XX/2016 I received a privacy form letter from Nationstar stating that I could opt out of my information being provided by Nationstar to non-affiliates, etc., to market to me. Responding to this letter to indicate that I do n't want my information provided to such entities requires my Nationstar loan no. I called Nationstar to get my loan no., and was told it was not available because Nationstar just bought several other servicers and they are very busy inputting all of the data, but that there will be no late payment penalties for the first two months, presumably because it will take that much time for them to get me a loan no. so that I can make my mortgage payments. My concern is that many people will forget about this privacy letter between the time they receive it and the time they receive their loan no., thereby thwarting the purpose of the law. I would like to see Nationstar re-send the privacy notice with, or shortly after, it sends out the notice of everyone 's new loan no 's.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/XXXX I logged into my banking app and saw that both my checking and savings  were wiped clean to a balance of XXXX in both. I contacted my bank and was provided a phone number that they said was from a NJ Court. This morning, XX/XX/XXXX I called the number ( which was a number of a court officer not a court ) and was told that my account was placed on a lien from a debt collector, Pressler, Feld and Warshaw for an unpaid bill. I contacted the firm to ascertain what bill as I have no outstanding bills. They indicated that I owed a debt to the XXXX XXXX XXXX which I do not. Instead of them providing me with information to validate that this was owed, I was told that I needed to supply them with information to prove I paid the date for a residence that I do not reside at and have not resided at for about 2  years. I asked to have this case vacated and I was told that I deeded to dispute the account by showing bill payment records. The document number provided to me shows no results and I am getting no assistance with this matter. I contacted the court and
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 

This account is not mine.
Consumer complaint received 2024-04-02
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. (PA)

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX. This account is in direct violation of the FCRA as it is not being reported accurately. I DID NOT GIVE CONSENT TO THIS COMPANY TO FURNISH THIS ACCOUNT TO ANY THIRD PARTY. I have requested validation and verification which I did NOT receive. Ive disputed this item with no luck of getting an update. I WANT THIS ACCOUNT REMOVED FROM MY CONSUMER REPORTS. The original balance is not consistent on all reports. Last payment does match on all reports. Opened date is inconsistent on all of my reports. Last reported date is not the same on all reports. All Consumer reporting agencies state verified as accurate yet no information matches across all companies.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

Every time I try to make a purchase with the card it declines and says that the bank issuer refused the payment and it says there is an error. It keeps saying to update the payment method. It says an unknown error has occurred
Consumer complaint received 2023-04-14
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. (TX)

The late payments on my student loans are incorrectly reported for XX/XX/2019. XXXXXXXX XXXX and XXXXXXXX XXXX are not my accounts. I've already tried to dispute it with the company and creditors. I've filed a police report and sent in requested documents.
Consumer complaint received 2024-04-02
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. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-09
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 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 2021-05-28
Product: Credit card or prepaid 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)

Purchased home warranty from XXXX XXXX with Chase credit card that I have owned for years. I use the card trusting if the good or services were not delivered, the company will protect me and stand behind their protection policy. Purchased was charged on XX/XX/2020 for XXXX. When it came to use the home warranty XXXX XXXX refused to do any repairs. They gave me the run around and kept coming up with excuses. I tried to resolved the problem multiple times. They promised will follow up and/or compensate for the item since they could not repair but never heard from them again and again. I disputed the charge with Chase. They took the information on the phone. Then again I explained the exact problem on the paper work they sent. All I have received is an update that says they found no " billing error ''! The dispute was never about billing error and was thoroughly explained on the phone and in writing. It seem like Chase does not want to pursue the dispute. When I use the their credit card as I have for years, I trust when this type of service and protection help needed, they will step in and resolve the problem. It's very disappointing that when the help is needed they refuse to take action. What is the use of all these benefits they advertise to get you to used the card then?!
Consumer complaint received 2023-09-30
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX  any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-04-30
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. (OH)

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-05-21
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: ENCORE CAPITAL GROUP INC. (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately MIDLANDCRE XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}