davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NC)

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by all other Radius Global collection affiliates. They have continually called me, but have no verification of the debt other than a database that they claim makes me responsible for the debt. This is in relation to a rented vehicle, that was turned in during business hours, but there was no attendant on duty. I put my keys in the lock box at the airport and about 1 month later they claimed I had scratched the paint on the bumper. This was clearly done by one of the drivers as they moved the vehicle in the tight airport garage spaces down to the cleaning areas, but they claim I must have done it when I was driving it. They can't provide any proof that I did it, and I can't prove they did it, but they are still trying to pass along this against me and I don't think that's right.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting acXXXX XXXX account XXXX XXXX XXXX # 1982, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-16
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. (MI)

An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX  alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.
Consumer complaint received 2023-05-03
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. (GA)

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-16
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. (AZ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-23
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. (GA)

Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to me.
Consumer complaint received 2024-05-22
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT TREASURY Account Number:XXXX and list of Inquiries.

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 2023-05-16
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a 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 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-20
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. (NY)

In accordance with the fair credit reporting act convergent account 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 are consumer reporting act can not furnish account, without my written instructions.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

I made payments totaling {$11000.00} during the COVID-19 Student Loan Payment Pause beginning in XX/XX/XXXX. On XX/XX/XXXX I made a phone call to EdFinancial Services to request a refund of all payments I had made after XX/XX/XXXX. I was told that a request for a refund had been submitted, however I was not provided an estimated time for this refund to be processed. I was also told that I would not be receiving any sort of receipt/validation ( via email or any other communication ) that I had submitted a refund request. I was told that I would not be receiving any communication about the status of my request I was told that I would need to contact EdFinancial Services myself to check up on the status of my refund request. I have continued to check my loan account through EdFinancial services weekly, and my loan balance has not been reinstated to what it was before XX/XX/XXXX. I have not received my refund or any communication regarding it. I placed a call again on XX/XX/XXXX and was refused a timeline on when I would be getting my refund. I was once again told that the refund request had been submitted, but nothing has changed. As of today ( XX/XX/XXXX ) my loan balance has not been reinstated and I have not received the refund of {$11000.00} that I requested on XX/XX/XXXX.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

A friend sent me money in which I attached all receipts for a trip as seen on the receipts attached. From her phone number etc. We then chose to cancel an I advised once I received funds back she would be refunded. She chose to report fraud instead of awaiting the refund. My bank without researching calling me etc just put fraud on my XXXX account and close permanently. Staying confirmed fraud. I said how was that confirmed I was contacted no one asked me for documentation like a regular investigation. They were just aggressive and told me it was permanent dosnt even try to fix it when I advised I had proof this not fraud. I put a lot of money is this account monthly. See attachments it was clearly sent from the sender XXXX on her own free will thats not fraud. Her requesting a refund is not fraud I have to process her refund from XXXX nothing to do with my bank or XXXX. But my bank stated they confirmed fraud how and where. My bank can confirm both of these ladies sent the money only one lied on it being fraud.
Consumer complaint received 2023-07-26
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. (IN)

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. 

I sent Experian, XXXX XXXX, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX XXXX # XXXX XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX XXXX # XXXX Experian # XXXX. 

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 in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MN)

I recently applied if store card with XXXX. XXXX is bank by synchrony. After filling out the application. I received a message stating synchrony ban needed a little bit more information. With in a day or so I called synchrony bank to provide any information that they had needed to approve me for store card. After briefly speaking a representative from synchrony bank to clarify the information they had needed to approve my application the agent stated that they new to verify my identity by scanning my drivers license.I was sent a link to my cell wich is XXXX to scan my identification card. I ran to an issue with the scanning. It accept the front of my identification card. But was rejecting the back of it. After a few trys of trying to get the back of my identification card scanned. I was locked out. I called synchrony bank back to let them know the issue I was running into. I was connected to agent. Ready to let him know the issue I was having with uploading my document. Before I can even let this agent know the issue he abruptly interrupted and said we seen what we need to see and we are not approving your application. In disbelief I ask the agent why. And he said you will get a letter in the mail XXXX explaining why. I was very confused and felt discriminated against. In the past I had someone trying to use my information to apply for credit cards and loans. 10 years later with me getting my identity back I have several major credit cards one with the highest limit being {$20000.00}. I was excited for applying for synchrony card. But after the agent being very rude and not helpful made me feel very discouraged. This complaint is mostly towards the agent and not synchrony bank. Hopefully that conversation was recorded and they can understand my frustration in this matter
Consumer complaint received 2022-12-03
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. (DC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-03
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: Volvo Car Financial Services U.S., LLC (PA)

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent. 

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

Volvo the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXXXXXX XXXX during XXXX I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (PA)

I am not attempting for the 4th time to have inaccurate accounts removed from my credit report. Experian Consumer Services has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2018-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

This complaint is against XXXX XXXX XXXX ( XXXX ), a debt collection agency. The agency did not follow the procedure stated in their demand for payment. 
The first statement and demand for payment includes the following statement : If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. I sent a written dispute, and have not received any further communication until a second statement and demand was received two months later. 
Chronology : XX/XX/XXXX : Received 1st statement and demand for payment ( {$350.00} ) dated XX/XX/XXXX XX/XX/XXXX : Mailed dispute letter with proof of debt satisfied by certified mail, return receipt XX/XX/XXXX : Received and signed by XXXX XX/XX/XXXX : Received 2nd statement and demand for payment dated XX/XX/XXXX The above documents are attached. 
It appears XXXX is insisting that I pay even though I have disputed the debt and have never received verification of the debt. I believe there is no verification since the obligation was fully satisfied by my insurance company. Further, I now assume XXXX has attacked my credit rating. I did not rate over 800 credit rating by being a deadbeat ; I have never failed to pay a debt in my life. I can not get the hospital or the collection agency to actually pay attention.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I contacted Capital One to accept a payment plan and settlement amount. I also asked for Capital One to remove my husband XXXX XXXX from the account as an authorized user, I informed them we are trying to purchase a home and this debt needed to be removed from his name and credit report. Over the phone Capital One informed me it would take 30 days. Every month I checked the debt was showing on his credit report and it was negative impact for us. I called again in XX/XX/XXXX, they said they would file another and it would take another 30 days, it was out of their hands as they do not have access to the department that handles this request. I called today XX/XX/XXXX and was told the closing date would be XX/XX/XXXX and if it wasn't done then to call back start the process over again, I said how does that 30 day work if its just continuous until the end of time? This has negatively impacted our rate for a house and I need it corrected immediately. 

If possible I would also like for capital one to update the balance from XXXX to the actual settlement of XXXX or reflect the amount that its reduced by the XXXX I have made towards the XXXX payment