davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (VA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a Bank of America credit card which I've had for over 20 years. I always pay my balance in full. In XX/XX/XXXX I saw a promo for 0 % APR balance transfer until XX/XX/XXXX. I transferred {$8000.00} and paid the 4 % fee of {$320.00}. I paid my balance in full for purchases in XXXX, XXXX and XXXX and just realized I was being charged interest. When I spoke with several people at BofA they said I had to pay the full balance, including the {$8000.00}, each month to avoid interest. I can not fathom how that is the case. I would never have transferred the money knowing they would charge interest on it, despite their big bold type claims of 0 % APR in until XX/XX/XXXX.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (CT)

EQUIFAX under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EQUIFAX is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EQUIFAX has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EQUIFAX has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' EQUIFAX has included such accounts on my consumer report. EQUIFAX is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EQUIFAX has included such account in my consumer report. I DEMANDED removal of these accounts and EQUIFAX has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EQUIFAX to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EQUIFAX CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EQUIFAX has committed fraud for conducting a none requested Fraud Reinvestigation. EQUIFAX is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Consumer complaint received 2023-01-05
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. (NY)

I've made numerous attempts to fix this situation with Transunion, other credit bureaus and XXXX. My last attempt was on XX/XX/XXXX. I requested for the credit bureaus to investigate every piece of information on the accounts I have listed below According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Transunion stated my account was verified. How is that possible if they did not do a proper investigation according to the law? Every piece of information on this account is not reporting 100 % accurate on my credit reports. According to the FRCA 15 USC 1681, everything has to be 100 % accurate. Accounts Re : File # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-30
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. (ME)

i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. MXXXX XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.
Consumer complaint received 2023-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be deleted.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (FL)

I received a templet letter dated XX/XX/2020, from Source Receivables Management requesting {$2900.00} that I owed. On XX/XX/2020, I sent out a formal request notice for validation and verification of the debt to Source Receivables Management by certified mail with signature. They received and signed for that request on XX/XX/2020, at XXXX XXXX  They are in violation of FDCPA 15 USC 1692g 809 ( b ) by : 1. Failed by ignoring my written request to validate and verify their alleged debt with me. 
2. Failed by not stopping debt collection activities on this alleged debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-03-04
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: LD Holdings Group, LLC (IL)

I had an conversation with someone whos a loan officer and I never once gave him permission to run my credit.he had it on file from previous encountered but I never once gave him permission this time to do so
Consumer complaint received 2020-03-04
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: CREDIT ACCEPTANCE CORPORATION (IN)

I have contacted XXXX XXXX  XXXX  ( inquiry XX/XX/XXXX ), Credit Acceptance ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP (TN)

1.I have never had an account with this company REPUBLIC FINANCE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REPUBLIC FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc. (NH)

ARS National Services somehow obtained my boyfriends name and private cell phone number in an attempt to contact me. I was not with my boyfriend at the time of holding the account ( XXXX ), nor was he ever at any point in time listed on the account. Clearly they used deceptive and unethical means to obtain this information. When I contacted them about it, they assured me that no personal information was shared, however they provided who they were and that they were calling about a private matter. By proxy, this is providing information that it is an attempt to collect a debt as they are a debt collection company.
Consumer complaint received 2023-06-08
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (MN)

In XX/XX/2020 I paid off my loan ( account # XXXX ) early. After my payment went through I closed the bank account that I had auto payments set up through as I only used the account for this loan. I later received notice that I was owed a {$68.00} origination fee refund. This refund was sent to my closed account and as a result I didnt receive the refund. Since then I have called in several times to get a refund check issued, every time I was told a request was submitted, but I have yet to receive anything. I know that the first day I called about this I was told that my previous address was on file, but that if I updated it the check would be sent to my current address.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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
Consumer complaint received 2023-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (IL)

I opened and funded a XXXX XXXX XXXX account at XXXX XXXX part of Axos Bank with XXXX in late XX/XX/2023. Now I am trying to withdraw the money from the account but am unable to do so. According to the directions of the website, there is supposed to be a tab on the dashboard called XXXX money. This tab does not exist on the website or the app. When I called regarding this issue ( XX/XX/2023 ) I was told there should be a tab on the dashboard with this feature. The agent told me she would report the issue and I would receive a message regarding this. When I received no message, I called again ( XX/XX/XXXX ) and was told to wait a while. He refused to transfer me to a manager or supervisor. He was very vague and could only tell me he saw a case was created. No specific time or reason was given for resolution and I am unable to get my money back from this bank. I requested they close my account and mail my money to me but he stated he could not contact that rep but he saw my request. I also tried to attach my XXXX account to XXXX which was successful, but when I requested a transfer of funds, it was rejected. I requested to close my account and was sent no response through their message area on the website. I would like my money returned as soon as possible.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted Transunion, XXXX and XXXX about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Good evening! I have been disputing with PRA since XX/XX/2019 and I have requested every time a copy of the original signed consumer contract, which yet after 8 months PRA still can not provide this physical proof to me! I do not understand how this is so difficult! This alleged debt is not mine. I am asking you to stop mailing me the same copies of statements and no proof of the original signed consumer contract. Those could be any bodies statements. Again I am requesting the original signed consumer contract or cease your collections attempts. I have done my research and these type of tactics seem to be frequent and common with PRA! If you are going to purchase debt you should make sure the debt is in fact the persons you are trying to collect from!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXXXXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits educational institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible student is XXXX who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX XXXX 

Subpart DMay an XXXX  Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and