davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX To whom this may concern, RE : Inaccurate and Unverified accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : 1. State what the money you say I owe is for.

2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number.

5. Provide me with proof that the statute of limitations has not expired.

6. A valid, legible copy of the agreement stating the debt and interest charges.

7. How is a closed collection account past due? This is a violation of the FCRA!

********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-22
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. (GA)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right and I did not Equifax the written pre mission to furnish these accounts. 

Accounts listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative
information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items That is inquiry was not authorized and in violation 15 U.S. Code 1681b Permissible purposes. Please DELETE as soon as possible.
Consumer complaint received 2022-11-15
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. (GA)

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( 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.

NOTE : 1. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.
Consumer complaint received 2022-11-28
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. (NV)

I have requested several times how both Equifax and XXXX claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the Fair Credit Act XXXX the information provided has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 U.S.C 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 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item 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 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

This is a follow up to a previous complaint that the company responded to. There explanation was not relevant to my concern. The previous CFP B Case Number i s  XXXX .     I am sending documents which further describe my complaint.       NOTE : THE TIMING OF THE EVENTS THAT ARE ATTACHED ARE PREDICATED ON CALLING THE BANK TO HAVE MY FUNDS APPLIED TO MY ACCOUNT. WITH MY INTERVENTION, IN 11 DAYS THE POSTING WAS COMPLETED. IT IS MY UNDERSTANDING THAT IT WOULD HAVE TAKEN 14 DAYS TO POST IF I HAD NOT CALLED AND REQUESTED THE PAYMENT BE POSTED.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC. (PA)

I have received numerous call from this company/number about a relatives debt. My name is not on the debt nor do I have anything to do with it. 

I have records and pictures of calls as well as threatening voice mail messages on : XXXX XXXX XXXX EST XXXX XXXXXXXX XXXX EST XX/XX/30 XXXX XXXX EST XX/XX/30 XXXX XXXX EST I spoke with them on numerous occasions and they said they would remove my name from their call list and they have not. They are now threatening me to get an attorney, calling my relatives about this debt, which again it is not my debt, it is my brothers debt and I have no contact with him. 

I want it to stop and they are not stopping and they are now threatening me for no reason.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I failed processed the payment {$52.00} for purchase sweater from XXXX XXXX from online although they have this option, but I been noticed 2 weeks later said I was not able to processed it even I saw website shown the payment was successfully processed. One month later credit shown I have late payment and additional interest was+ {$28.00}. I payed with mailed check all of them I even over pay another {$28.00} which means I pay for the interest total {$52.00} for a {$52.00} dollar purchase. I remembered the due said I owe them $ XXXX. Now another 5 months later they sent via email says I owe another {$52.00} dollar. This is insane. Like I am paying a monthly payment for a furniture! But I just bought a sweater! This situation is ridiculous!
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (TX)

I disputed the accounts XXXX, Equifax and XXXX are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but Equifax and XXXX continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but Equifax and XXXX refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 I was checking my email and discovered several emails from XXXX XXXX that indicated someone applied for and successfully opened a bank account with Bank of America online. After the account was opened, there was another email where an email address I did not recognize was added to the account in order to send and receive money. I immediately called the fraud department at Bank of America to see if an account had been opened in my name and to report it as fraudulent. I spoke with a representative who informed me numerous times we were speaking on a recorded line, so there is a record of her statements. The representative confirmed that there had been an account opened in my maiden name using my social security number. In order to close the account and report it, she required me to provide her will all of my personal information. I was hesitant and she said my only other option would be to drive over an hour to a local branch and provide my information in person. I did decide at that point to provide her with my information so I could get the account shut down immediately. I asked her how someone else was able to open an account using my social security number since my credit has been frozen for years and they used a name that I have not personally used in over 10 years. The representative stated that they do not verify information unless you are applying for a credit account. If this is true, they would be in violation of federal law. After taking my information, the representative stated that she could not provide me with any other information regarding the account over the phone but that I would be receiving a report with the information so that I could file a police report for identity theft. I did receive an email on XX/XX/XXXX saying that the unknown email address had been removed from my account and the account has been closed. In the three weeks since, I have not received any more information regarding the account despite being told I would. I believe this is due to the fact that they violated federal law by allowing the account to be created in the first place.
Consumer complaint received 2017-05-08
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. (SD)

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified th e CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to prom ptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.
Consumer complaint received 2022-11-15
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. (NY)

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 XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.
Consumer complaint received 2022-11-15
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. (NY)

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  fXXXX XXXX XXXX XXXX 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  has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable cause to believe that the information is inaccurate.