davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CO)

Below is the email I sent to Collection Bureau of America on XXXX XX/XX/2019. I followed up with another email asking for a status on XXXX XX/XX/2019. Today I saw a collection note on my XXXX XXXX account. I originally got an letter per the USPS dated XXXX XXXX from CBA ( I live in the country and pay everything on line with automatic debits, so I don't open a stack of letters but every few months, I know, crazy ) and never received a phone call saying XXXX XXXX  was sending me to a collection agency for the {$4.00} for the water cooler rental. They now want {$250.00} for several months rent on the cooler, their fees and FULL price for a water cooler ( {$170.00} ) that I have probably paid {$700.00} in rental fees for over the last 10 years and have never asked for any maintenance on. 

Below is the email sent XXXX XXXX. 

To whom it may concern, I recently received a collection letter from CBA for XXXX XXXX XXXX XXXX XXXX. 

I have never received any positive communication from XXXX   XXXX about this account status. No phone call, no certified letter, no email receipt of confirmation about this issue. 

I thought my account was being paid with an automatic withdrawal that I had set up. It turns out that debt card was canceled due a bunch of XXXX debit cards being compromised about 10 months ago ( sorry, it's easy to overlook small charges of {$4.00} ). 

I have been a customer with XXXX  12-15 years. I have paid about {$5.00} dollars a month for a water cooler lease ( 12months X {$5.00} X 12 years = {$720.00} at least ) for that time. 

I will be happy to pay what I owe ( plus interest, but not the XXXX fee of {$38.00} ). If this isn't acceptable, I have a XXXX XXXX of over XXXX. I will be glad to take it up with Equifax and TransUnion if I have a collection item show up with them, or in small claims court if needed. 

Bottom line, I would be happy to continue to be a customer of XXXX  and pay them what I owe ( something like {$48.00} plus interest ) and continue to rent a XXXX XXXX XXXX water cooler for {$5.00} a month ( this seems like a win/win situation ). This would also gain them glowing reviews on their website from me! If XXXX  wishes to terminate our relationship totally, I still want to pay what I owe, per the amount mentioned in this paragraph and they are welcome to come retrieve their water cooler at my house, just like they dropped it off XXXX or so years ago. 

Thanks XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2022-12-26
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. (MD)

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/2023 by XXXX XXXX XXXX. 
Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/2023 Creditor/Company Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with XXXX XXXX XXXXXXXX XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. 
I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I called Conns Appliance and asked why they reported a negative report on my credit when they were paid through Bankruptcy. They report ed this after the XXXX was XXXX. I have written XXXX several times trying to get this corrected and it is still showing negative! XXXX XXXX have put on the record ( paid through payment plan and not XXXX. They are not showing this as paid through XXXX. It was put on my credit in XXXX, and my XXXX was XXXX in XXXX
Consumer complaint received 2022-12-26
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. (AL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-15
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: Synovus Bank (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). First Progress is also in violation of the Gramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of ED/XXXX  XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-16
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. (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that 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.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record. I've submitted corroborating documents for your examination.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

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

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2020-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NC)

In XXXX of XXXX, a Direct Express customer service representative notified me of suspicious activity involving my account. The representative placed a hold on my account and a new card was mailed to my address. The representative assured me my account was secure again, however soon after this incident, I noticed money withdrawn from my account without my authorization. I notified Direct Express via phone of the fraudulent activity as soon as I became aware in XX/XX/XXXX, and a customer service representative notified me they would investigate my claim. I noted transactions on my bank statement that were not my authorized transactions and mailed this information back to Direct Express. 

The investigative process into my claim was frustrating as various customer service representatives gave me contradicting information regarding my claim. Furthermore, money continued to be fraudulently withdrawn from my account during the investigative process and even into the next year XXXX ; I would notify Direct Express each time I became aware. Some of the fraudulent transactions included hundreds of dollars being withdrawn at a single time. Direct Express website has constant technical difficulties which makes it difficult for me to check my account online and receive my bank statements quickly if I needed a copy. 

I relied on the customer service representatives at Direct Express to give me accurate and timely information regarding my account because I am not technology savvy. The times I have attempted to view my account information online regarding this matter, Direct Express website was not functional. To my knowledge, the investigation has been left incomplete and Direct Express has failed to reimburse my account with any of the funds stolen. 

My life has been completely turned upside down due to not being able to resolve any of my claims of fraudulent transactions with Direct Express and get any of the money back that was stolen from my account. I see that others have had the same issue with Direct Express. I hope something can be done so that other people in the future do not have to suffer the losses that myself and others have.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (FL)

Personal loan agreement of XXXX dollars which they refused to give and only sent XXXX of XXXX and refused to send. They used my personal info to place my account into negative balance and refused to discuss other further options to resolve the amount owed. They used my information to file a bank claim and then placed my account. They refused to allow me the ability to speak with my personal loan officer.
Consumer complaint received 2024-02-23
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. (TX)

I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations. 

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (DC)

A Truist Bank official check was sent to me payable to the Estate of XXXX XXXX. I took the check to the XXXX XXXX  XXXX and they issued a Final Order to pay over to XXXX XXXX XXXX Personal Representative ( documents will be attached ). On XX/XX/2023 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX XXXX. The representative told me a manager was not there so she called a manager at the XXXX XXXX XXXX which told her she could not do what the Final Order instructed. She emailed the legal department and she told me they said it could not be done. I understand with our large banks this is happening. I'm a XXXX XXXX XXXX XXXX XXXX  and go back and forth with our XXXX services department with these XXXX XXXX XXXX  XXXX orders because the associates are not comprehending. 
Our interstate banks have to abide by the court orders of each jurisdiction they operate in. Please see attached documents. Thanks
Consumer complaint received 2022-04-21
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: Affirm Holdings, Inc (NY)

XXXX is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX