davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2019 I requested debt validation for account number XXXX with Portfolio Recovery. I sent my request via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX with the United States Post Office ). Portfolio Recovery received my request XX/XX/2019. 

Portfolio Recovery responded with a generic letter stating that they believe the debt is being reported accurately. However, Portfolio Recovery did not include any documentation that proves that I am the owner of this account. They did not send me anything showing how the amount they are collecting is accurate, there wasnt a contract with my signature. They did not provide me with anything proving that I am the owner of this account. 

I am pretty sure that they are violating the law. You can't just add accounts to peoples credit report with no legal proof that they are the owner of the account.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (LA)

Diversified Adjustments has a debt from XXXX in the amount of {$580.00}. They ( diversified adjustments and XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX  LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Consumer complaint received 2019-11-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Information is missing that should be on the report ( address, missing credit card or loan ) XXXX XXXX XXXX  XXXX XXXX Balance {$1400.00} Status Open/Never late. 
Status Updated XX/XX/2019
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

XXXX an XXXX grandmother and was a victim of a coordinated fraud attack which began on XX/XX/2022. My Macys American Express card, while in my possession and under duress was used to purchase {$34000.00} worth of Macys gift cards in various Macys stores throughout XXXX XXXX. I was contacted by an individual over my cell phone who claimed to be from my local banks fraud department. While under near constant supervision via my cell phone, they urgently instructed me to go to several retailers, including Macys department stores and purchase {$500.00} gift cards. The told me they were working directly with Macys and to not speak about this to anyone, including friends and family. All charges from occurring on XX/XX/2022, totally {$9000.00} were completed by myself but were fraudulent from the beginning. 
Why did Macys a store Ive trusted for years let me down? Why dont they ask questions about why Im purchasing so many gift cards? Why didnt they know that gift card scams target elderly individuals such as myself? Were they never trained in such matters? Why didnt the fraud alarms kick off and put a lock on my card? 
Ive learned a lot since XX/XX/2022. Especially after reading several published articles from the Consumer Finance Protection Bureau and the Security and Exchange. Where was Macys and XXXXgroupss fiduciary responsibility to its elderly customers?
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX. Company also has NO permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section XXXX ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it XXXX not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXX If the person does not specify such an address, the FCRA XXXX the person from reporting information to a CRA XXXX the furnisher knows or has reasonable cause to believe that the information is XXXX The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the XXXX Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to XXXX Accuracy means that the information the furnisher provides to a CRA correctly : Identifies XXXX appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the XXXX Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence XXXX which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of XXXX
Consumer complaint received 2022-05-27
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. (NY)

Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance
Consumer complaint received 2022-05-27
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)

The Credit Bureaus have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-05-27
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)

The Credit Bureaus have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit score is very low due to identity theft. I am currently in financial ruin and get XXXX XXXX when faced with the reality that my character and credit has been smeared.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (NY)

Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

SInce XX/XX/XXXX we have been working on getting put into review for loss mitigation. This is our second time filing a complaint as nothing was resolved the first time. We filed the first complain ont XX/XX/XXXX. Bank of America only followed up twice on XX/XX/XXXX & XX/XX/XXXX and took a month to get an answer after that and the answer was still no. The reason we are being denied getting put into review for XXXX XXXX XXXX Bank of America wants the borrower 's son who is listed as a co-borrower to sign some documents. Here is where lies the root of the problem as the borrower 's son filed a quitclaim deed on XX/XX/XXXX right after filing bankruptcy to dissolve any personal responsibility from loan and dissapeared. The borrower has not been able to get in touch with her son as she has no idea where he is. Yet, Bank of America persists that they will not go through a review for loss mitigation unless the son is able to sign certain loss mitigation documents.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (FL)

I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (GA)

In response to the a previous complaint.MILITARY STAR denied my claim of inaccurate reporting. 
This denial is not reasonable as i have been in correspondence with their credit department in which i proved the inaccurate reporting by providing copies of my consumer credit report. Each report shows a difference in detail such as currently reporting on a closed/paid off account. I was informed that a request to have the MILITARY STAR account removed from my consumer reports had been submitted. 
MILITARY STAR is clearly disregarding my consumer rights as well as fabricating the accuracy the their reporting. Due to the disregard, I am enforcing my stance by further taking reasonable legal action. 

PLEASE VIEW THE ATTACHMENTS!! 
EACH REPORT SHOWS THE INACCURACY IN WHICH YOU ARE REPORTING. 
HOW CAN A CLOSED AND PAID OFF ACCOUNT CURRENTLY REPORT?! 
Again this is a violation of my consumer rights pursuant to 15 USC 1681 in which each violation holds a penalty of up to {$1000.00}.
Consumer complaint received 2022-05-27
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. (LA)

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 to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX  XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (LA)

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 to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-27
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. (VA)

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession.

15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act. 
15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Consumer complaint received 2022-05-27
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. (VA)

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession. 
15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act. 
15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called trans union because i noticed a 4 year old account that has been closed and charged off all of the sudden shows reopened and missing 1 payment. They stated the company XXXX XXXX XXXX stated that the account it open. I then called XXXX XXXX XXXX and they stated that they sold off my account and gave me a number. I called the number and was told they do not have it either. I called XXXX back and was given the run around again and told i must mail them a letter if i want any answers. I dont get why after giving them their car back and trying to fix my credit for 4 years they can all of the sudden do this and drop my score XXXX points
Consumer complaint received 2022-05-27
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 XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount 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 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

Subject : Urgent Request for Assistance - Cancelled Refund and Miscommunication with XXXX XXXX and Aidvantage To Whom It May Concern, I am writing to request immediate assistance from the Consumer Financial Protection Bureau regarding a severe issue I have been experiencing with XXXX XXXX and Aidvantage regarding my federal student loan refund request. 

I am a federal student loan borrower and have been trying to request a refund in the amount of {$18000.00} with XXXX XXXX since XXXX. Despite multiple attempts, my refund request was cancelled and my account was moved to Aidvantage without any prior notice or communication. 

I have followed up with XXXX XXXX multiple times, but they have not been able to provide any solutions or assistance and have instead directed me to reach out to Aidvantage. However, none of my paperwork or account information has been transferred over to Aidvantage, making it extremely difficult for me to follow up and proceed with my refund request. 

I am extremely dissatisfied with the level of miscommunication and lack of assistance provided by both XXXX XXXX and Aidvantage. This experience has caused me a great deal of stress and financial hardship, and I am urgently requesting the CFPB 's assistance in resolving this matter as soon as possible. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX