davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IA)

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that LVNV Funding LLC properly investigated this account because there are obvious inaccuracies. 

First off the account is reporting a monthly payment on a charge-off account. Now it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case The account has been re-aged by XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 6-year difference and once again it is LVNV Funding LLC 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported LVNV Funding LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I am working on my credit file, and was able to print out XXXX XXXX & XXXX  with NO problems However, Equifax, has blocked me from my free credit report many times, which prevents me from correcting errors on their report .I do NOT think this is by accident - they have ALWAYS been the worst agency of the 3 to correct errors, and do not want to correct anything! 

I want my free credit report - per law regards XXXX.
Consumer complaint received 2024-01-09
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. (KY)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account XXXX Date Open : XX/XX/XXXX Balance : {$280.00}
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 XXXX XXXXXXXX XXXX  My debit card was used at atms and lots of subscriptions Im not subscribe to. I didnt authorized any of the transaction totally XXXX. Some transactions was done while I was out that area of it my card was on me how can that be if my card is with me how can I use it at atm if im not at atm Im home I filed a police report I wrote a statement I tried to reach out to Bank of America about it bout its difficult to resolve this
Consumer complaint received 2023-03-08
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. (NJ)

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 XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account NumberXXXX Account Name : DEPTEDNELNET Account NumberXXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX  Account Name : DEPTEDNELNET Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXXXXXX Account Name : US DEPT ED Account XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or 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 2023-05-19
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: Professional Debt Mediation, Inc. (TX)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Unfortunately, the collection Agency ConServe XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Sent me into collection, which I believe was unfair, with all due respect, allow me explain what happened : I was registered in XXXX XXXX XXXX from XXXX  online classes during the pandemic time in XXXX, but I never actually got to attend any of the classes at XXXX XXXX and decided to go to XXXX XXXX XXXX instead because it was closer to my house. I felt XXXX XXXX was a better fit for me. In this time I was living in XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX XXXX sent a laptop and I called the college because I wanted to return the laptop but they didnt accept it. They told me I have to pay for the laptop. 


In this time my single mother had financial hardships, with her being a XXXX XXXX and her XXXX  was closed for COVID-19, also with reduced hours and myself not working also. We absolutely didnt refuse to pay the laptop It was just the circumstances, those times were uncertain and fearful. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. schools closed, businesses closed, many people losing their jobs, houses and their loved ones, The pandemic was a very difficult time. My mom did not stop paying the rent, electricity, water and food. quarantine was two months and it lasted much longer. We don't know how we have survived those difficult times we had during the pandemic. 

I started working last year of XXXX in XXXX and I was finally able to pay the laptop. The laptop is now paid for in full at this moment. My mom called the collection agency and told them that we were going to pay the full amount, with the condition that they remove my name from the 3 agencies ( XXXX, XXXX and XXXX ) and they accepted, but my name still there. My mother and I, are extremely responsible people, and we know the importance of making payments on time, my mother has achieved a good credit score.

Please, I beg you, if you would be willing to make a goodwill gesture and remove the Collection from my credit report. Because it is affecting me, having a better line of credit, applying to rent an apartment and car.

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with any company.

Thank you for your consideration and time,
Consumer complaint received 2024-03-21
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. (FL)

XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2024-03-21
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. (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.

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 inructions 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 2022-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One 360 closed my account after an interaction with one of their Fraud Reps. They closed.my account with a balance they owed. Then they begin reversing every dispute on my account so that I carry a negative balance instead of them owing me over {$1000.00}.
Consumer complaint received 2021-03-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I received a letter from XXXX XXXX XXXX XXXX, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants XXXX XXXX XXXX XXXX the authority to collect this alleged debt. 
XXXXSigned Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case any legal action becomes necessary. 

I also stated in my letter that if XXXX XXXX XXXX XXXX fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from XXXX credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 : //www.ftc.gov 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 items which do not belong to me or were opened without my permission. 
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
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 written instructions
Consumer complaint received 2024-01-09
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. (CO)

I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Experian have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The 19 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Experian maintains under my social security number. 

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Experian has aided these companies in violation of this Federal Law. 

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. 

Am I to assume that Experian is affiliated with these credit card companies and banks? 

I have not given Experian permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. 

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Experian is to be held accountable for {$1000.00} per violation of the FCRA.
Consumer complaint received 2023-01-13
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: BMW Financial Services NA, LLC (CA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a credit card from Bank of America. They have been my bank for over 20 years. They collect over $  XXXX  in deposits from me annually. I have over a  XXXX   credit score. I saw many reviews online of people being approved for this same card with lower credit scores. I am not sure why they denied me and the reasons they gave were really bogus. I personally think my denial was discriminatory and may involve some " new school red lining ''. I feel my denial is a clear violation of the Community   Reinvestment Act. Ba nk of America is taking my money and deposits but is refusing to give me access to credit. I will most likely close my checking account, however this is wrong. Please help.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE CALLED AND THEY DO NOT UPDATE MY PERSONAL INFORMATION AND THESE ARE NON-MAILABLE ADDRESSES. 

MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX