davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (IN)

Equifax Customer Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Again, I reject the arbitration clause in the Equifax interactive service agreement.

Thank you again for you speedy help with to this matter and noting my account.

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX
Consumer complaint received 2021-04-03
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. (VA)

This is my last step before filing a lawsuit on XXXX  XXXX Transunion in the XXXX of Virginia. 
Multiple disputed all documented XXXX  XXXX Transunion failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX  XXXX Transunion has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX Transunion a Factual Base Dispute consisting of errors placed by their company against me. Equifax refused to update the information to maximum accuracy. XXXX  XXXX Transunion accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX  and Transunion XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (GA)

I have been an XXXXXXXX XXXX for a few years and always consent to a background check. It was time to renew this background check this year and info was reported that haven't showed up on my credit files ever. I have been painstakingly keeping my credit in the green, paying all my debts and something that happened XX/XX/2003 that I took care of back then is now showing up. It hasnt shown up before. I had a check bounce at a XXXX. I think it was for {$65.00}. As soon as I was made aware of this, after a case was filed, because I checked my acct and it had cleared, but then it was returned for insufficient funds, but I didnt know this, and a case was filed. I went to XXXX to pay this debt as well as went to court. They asked if I had paid XXXX which I said yes I did, I paid a {$100.00} fine and that was it. I thought everything was taken care of and I never saw this on my credit file. I have pulled my credit file, I am with XXXX  XXXX  and no negative actions have pulled up there. 
I would like this old information cleared off my count immediately. It is 18 yrs old and I would like your assistance. This information was supplied to XXXX by Checkr , Inc.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC (UT)

XX/XX/2021 - Received a call from Atlantic Recovery Solution at XXXX PM. They gave information out without verifying who they were speaking with. I continued the call regardless and asked to send a physical validation notice. They refused to send me one. 
XX/XX/2021 - I called back to Atlantic Recovery Solutions at XXXX PM to verify what address they had on file, they had the incorrect address so I asked them to update it and send me a physical validation letter. They refused again.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (NY)

My credit XXXX XXXX XXXX was sold to a credit collection agency over a year ago. XXXX is still reporting my account with a past due balance and late. A payment agreement was reached with the collection agency and settled on XX/XX/2023 and paid in full. 

This account was sold to a collection agency, XXXX XXXX XXXX XXXX, and a payment agreement reached and settled on XX/XX/2023. I reached out to XXXX and was informed that the collection agency is in fact Velocity LLC. 

As of todayXX/XX/2023XXXX they are reporting incorrect information on my credit report.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

THIS 3RD. PARTY VENDOR NAMED RESURGENT CAPITAL SERVICES BOUGHT AND OBTAINED AN OLD BANKRUPTCY CASE FROM XXXX  XXXX  DATED FROM XX/XX/XXXX THIS ACCOUNT WAS CHARGED OFF ON XX/XX/XXXX AND THE CHARGE OFF DATE WAS XX/XX/XXXX, THE AMOUNT OF THE DEBT ASSIGNED WAS {$660.00} ACCOUNT NUMBER ENDING IN XXXX WITH AREFERENCE NUMBER OF XXXX, ALSO THEY BOUGHT ANOTHER ACCOUNT ACQUIRED ON, DATED XX/XX/XXXX CHARGE OFF AMOUNT WAS {$660.00} CHAGED OFF DATE WAS XX/XX/XXXX, ORGINAL CEDITOR DATE WAS XX/XX/XXXX ; THIS RESURGENT CAPITAL FAILED TO ABIDE THE CEASE AND DISIST LETTER SENT OUT XXXX, THEY CONTINUE TO HARRASS ME ABOUT ANY DEBTS THEY BROUGHT OR OBTAIN FOR THE SOLE PURPOSE OF OBTAINING A COLLECTION ON A DATE.
Consumer complaint received 2021-04-03
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: ENCORE CAPITAL GROUP INC. (VA)

This collection agency is reporting to all three bureaus ( XXXX XXXX XXXX XXXX XXXX on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

In XXXX  2020, I received a promotional offer in the mail to open a savings account with Citibank, to maintain a certain balance and then receive a corresponding cash bonus. I opened the savings account online with instructions to fund the account. A few weeks later, I saw that the account was not funded, so I called Citibank and was told that I should transfer the funds myself online. XXXX A few weeks earlier, I had already transferred $ XXXX from another bank into my CItibank checking account. ) I went ahead and transfered the $ XXXX into the Citibank savings account. 
Two months later, I called to check on the {$500.00} cash bonus, and was told that I would have to wait until XXXX I called in XXXX, and was told that they could not find the promotion to which I was referring, and asked that I bring it into the nearest Citibank branch. I told them that I could not bring it in personally, because of health concerns, but that CItibank could pick it up or I could mail or eMail it. I was advised that I could not mail it, and that there was no eMail address that I could send it to. The representative said that they could open a dispute, and would get back to me I called again in early XXXX, and was told that the promotion was located and that the funds would be deposited within 10 days. 
I recieved a letter today stating that I DO NOT qualify for the promotion because the funds were transferred into the savings account from another Citibank checking. I explained that I had to transfer the funds to the new savings account because : ( 1 ) Citibank failed to fund the savings account ; and ( 2 ) I was instructed by Citibank to transfer the funds myself I followed all of the terms : ( 1 ) opened a NEW savings account iwth $ XXXX ; ( 2 ) maintained a $ XXXX balance for 60 days thereafter. Citibank has refused to honor their own promotion
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Bank of America charged me for XXXX overdrafts, at {$35.00}. I know Bank of America uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance.
Consumer complaint received 2023-07-08
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: EQUIFAX, 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 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 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I tried to rent an apartment and was denied even though my credit score is XXXX. Apparently something not known to the public is that a credit score doesn't matter anymore instead there is a separate credit score called a residential report. My residential report is XXXX  even though I have never had an eviction or made any late payments on any rental that I have occupied. This residential score can't even be viewed on the transunion report. This is an obscure unknown report that is being hidden from consumers and should not. Everyone should have access to their residential report. And it should be based on rental history only
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (MS)

This loan company reports charge off of $ XXXX on a $ XXXX loan. Car was given back in XXXX. When I called loan company in XX/XX/2023 I was told car was sold.Was never told amount it sold for.Credit report says my balance is {$14000.00}. If car was sold how is my balance still the same as when the car was given back to them. I need them to report correct amount owed on all 3 credit reports. They also need to have repossession removed on credit report as I gave car back to them.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

I have never came into a valid contract with southwest credit systems. 
At this time they are violating my consumer rights by not sending me a letter to find out how to dispute this matter. 
They are also violating my consumer rights by reporting that I owe a debt to them without first validating the debt amount of {$160.00}. 
I have sent out a debt validation letter to Southwest Credit Systems. 
XXXX XXXX the CEO of the company on XX/XX/2021. 

Southwest Credit Systems, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant. 

Notice is hereby given to Southwest Credit Systems to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : XXXX, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I had a cryptocurrency account on binance.us for a little over 2 months, from XX/XX/20 ( XX/XX/2020 ). Then some time in XXXX, I was suddenly locked out of my binance.us account and never allowed to get back into my account. I exchanged countless emails with someone named XXXX, XXXX, XXXX, and XXXX, sending them many emails with personal information ( verifications ) attached. I provided pictures of my drivers license, passport, proof of address, my face, and a piece of paper requesting them to unlock my account, but customer support ALWAYS disappears after their first response which provides a ticket number and says they will get back to me shortly. It seems, according to XXXX, that they are stealing crypto and locking MANY accounts ( not just mine ). Someone needs to do something about these thieves so people can recover their cryptocurrencyXXXX Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-04
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Due to it being over 60 days those items should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NC)

My account was terminated by TD bank. While this was disappointing, they have not returned to me the funds from my checking account yet. After noticing I lost access to the online portal last month, I called them to inquire about this. They gave me no reason for the account closure and then mentioned they would send a check with my account balance. I have not received this check at all.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.