davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX  Account Number:XXXX  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 2023-03-05
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. (FL)

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  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (FL)

XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. XXXX  service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. Diversified Adjustment Service threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called XXXX  XXXX XXXX which leads me to believe Diversified Adjustments Service has followed through on their threat.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I received a summons/lawsuit letter on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates. I requested validation of debt/section 609 of the FCRA requires that Portfolio Recovery Associates provide me with a contract bearing my signature and to please forward me all signed documentation on this account and verifiable proof of this account belonging to me. I also requested itemization of this account. ( see CFPB complaint : XXXX ) Specifically, Portfolio failed to produce full verification/validation of a debt- at my request, which IS an FDCPA violation. 1. The original creditor XXXX  has responded ( on XX/XX/22 ) this complaint does not belong to them. 2. Failed to produce : Original contract bearing my personal signature/verifiable proof that this account belongs to me. Failed to produce : Itemization of the amount and age of the debt as requested. including : If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate IS in violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. ( which, I am allowed under the FDCPA ). First notice from Portfolio received XX/XX/22 in the form of a summons letter. This inaccurate information must be deleted from my credit file immediately. Contact the credit agencies you have reported it to and remove this information from my credit profile. Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC (MO)

: Service Manager XXXX XXXX sending me threatening letter to place a mechanics lie n and selling my car at auction for non-payment while I have been away for military service. I have paid nearly {$1000.00} and my 3-Series that Ive had serviced there for 13 years STILL DOES NOT RUN! XXXX XXXX has not been able to make any progress or give an accurate diagnosis of the issue since the car was towed there in XXXX of 2020. Service Mgr XXXX now charging me {$1500.00} dollars in storage fees and violating my rights under the SCRA or Service Members Civil Relief Act.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

I am filing this report on behalf of XXXX XXXX XXXX as evidence to justify a full and independent audit of our account. 

I happened to notice some evidence that I could send to the CFPB ( Consumer Financial Protection Bureau ) to support that our account is being monkeyed around with and this has been going on for some years. 

XX/XX/2023 Transaction ID XXXX " GENERAL BONUS '' I have absolutely NO IDEA what a general bonus is and we check the balance daily we have never noticed money from nowhere show up.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS 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 items 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 items. 

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  Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX   Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  Balance XXXX {$510.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I used XXXX to transfer money directly in my account and the account shows the balance however it wont update the availability of the balance so I can use my money, my money has already left my XXXX and already in my usaa checking account but usaa isnt giving me access to this.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I have submitted CFPB Complaint # XXXX, which is still open. However, in the interim I have received a notification from Moehala stating I only have 36 months worth of PSLF payments. This is obscured! I have provided documentation in my initial complaint and previously to Moehala to reflect that I worked at the state while making payments for significantly more than 36months. 

I continue to believe that the same illegal tactics used previously to keep people drowned in student loan debt is still being used. I have been out of XXXX since XX/XX/2008 and made payments this entire time. That is 15 years, and yet I still am in student loan bondage. Every time there is hope that the system has changed to ensure there isnt so much red tape to qualify for PSLF, it is quickly taken away. It is very upsetting to know that I took a job with the state barely making enough to be out of poverty with the promise that I would qualify for some level of student loan forgiveness, to yet still be waiting. 

I cant even consider getting a car because I realize the strain that having a car payment and potentially a student loan payment would cause my family.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-12
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. (FL)

On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 : 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Dealer Services was alerted that I was out of the country due to illness and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XXXX of XXXX and XXXX of XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified Wells Fargo dealer services of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute unauthorized inquiries and fraudulent accounts listed on my credit report. These inaccuracies are a result of identity theft and do not reflect my financial history. I request an immediate investigation and removal of these erroneous items to restore the accuracy of my credit report.
Consumer complaint received 2023-02-08
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. (NY)

Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be removed.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is agains t Harvard Collections for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2024-01-18
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. (IL)

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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq.

4 Pub. L. No. 108-159, 117 Stat. 1952.

5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.

6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and
Consumer complaint received 2021-01-12
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. (SC)

My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.