davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (SC)

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. 

In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. 

The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. 

The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. 

I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. 

The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (WA)

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.

Report Number : XXXX  Account Name : XXXX XXXX.

Account Number : XXXX Address Identification Number:XXXX The address associated is mine. 
The name on the account is incorrect. 
Ive been harassed by multiple debt collection age agencies.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (ME)

I MADE PAYMENT FOR {$1500.00} WHICH HAS BEEN VERIFIED BY XXXXXXXX XXXX XXXX REFERENCE # XXXX AS HAVING BEEN PROCESSED AS AN ELECTRONIC PAYMENT FROM MY XXXX XXXX BANK CHECKING ACCOUNT NUMBER ENDING IN XXXX. SOMEONE AT THE SAVINGS BANK SIDE OR AT THE XXXX  CREDIT CARD SIDE OF XXXX XXXX DECIDED TO ALTER THE PROCESS OF PAYMENT TO MAKE IT APPEAR AS IF I MADE A BALANCE TRANSFER INSTEAD OF THE ELECTRONIC PAYMENT I MADE FROM MY CHECKING ACCOUNT SO THAT A BALANCE TRANSFER FEE COULD BE LEVIED ON MY XXXX CARD IN ORDER TO STEAL {$59.00} FROM ME. AND THE REASON THIS WAS DONE IS THIS : WHEN I APPLIED FOR THE XXXX XXXX XXXX CARD, IT CAME WITH AN INTRODUCTORY 0 % INTEREST RATE FOR PURCHASES MADE AND BALANCES CARRIED DURING THE PROMOTIONAL PERIOD, AND AS LONG AS ANY BALANCE ON THE CARD WAS PAID BEFORE THE EXPIRATION DATE FOR THE PROMOTIONAL PERIOD, THERE WOULD BE NO INTEREST OR FEES FOR THOSE PURCHASES. SO I SET OUT TO PURCHASE HIGH DOLLAR ITEMS KNOWING THAT I COULD AVERAGE OUT MY MONTHLY PAYMENTS TO REPAY THE BALANCE TO XXXX BY THE END OF THE PROMOTIONAL PERIOD. I HAVE ALREADY FIGURED WHAT I NEED TO PAY MONTHLY TO ATTAIN THE NEEDED XXXX BALANCE, AND SO WHEN SOMEONE AT XXXX XXXX TOOK NOTE OF THIS AND REALIZED THAT THERE WOULD BE NO MONEY GAINED BY XXXX XXXX FOR THIS PROMOTION, THE ( NOT SO ) BRIGHT IDEA OF HOW TO CURE THIS WOULD BE TO MAKE THE ELECTRONIC FUNDS PAYMENT FROM MY CHECKING ACCOUNT APPEAR AS A BALANCE TRANSFER TO MY XXXX XXXX XXXX CARD SO A TRANSFER FEE COULD BE LEVIED. THIS CONSTITUTES FRAUD AND XXXX XXXX NEEDS PROSECUTED FOR THIS INTENTIONAL FRAUD PERPETRATION.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause 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 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are inquiries on my report that I have not approved of. I have started my claim with identity theft with the identity theft.gov and I am requesting that these inquiries be removed. I have also contacted the companies that did that inquired as well as all three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto financing Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2022-05-22
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. (VA)

Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : 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 2022-05-22
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. (CA)

I contacted Equifax telephonically and sent repeated letters to them requesting the deletion of XXXX XXXX XXXX XXXX XXXX XXXX Accounts both ending in XXXX. One account was a credit card and the other a Line of credit. These accounts were opened up in XXXX and have not been paid on since XXXX. It has been 7 years since the derogatory information first showed up on my report. Both accounts have been Charged off. This information for both accounts should have been deleted from my report in XXXX of XXXX. No documentation has been provided to state otherwise.
Consumer complaint received 2022-05-18
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. (GA)

While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.
Consumer complaint received 2017-07-19
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: CITIBANK, N.A. (SC)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (IA)

Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. Experian will not allow me to re dispute.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has notified the consumer XXXX XXXX 12 CFR 1006.2 ( e ) on XX/XX/2022, at XXXX XXXX  with a message through email about the consumer account card ending in XXXX. Capital One stated this is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose. Authority 12 CFR 1006.1 ( a ) explains the authority, and 12 CFR 1006.1 ( b ) the purpose of the FDCPA and how the act protects consumers and explains unfair practices organizations use to deceive consumers. 12 CFR 1006.6 ( b ) ( 1 ) speaks about how Capital One can not communicate with the consumer about any debt. 12 CFR 1006 ( b ) ( 1 ) ( i ) Capital One contacted the consumer at XXXX XXXX. which is a direct violation of the FDCPA. Capital One has abused, harass, and oppress the consumer 12 CFR 1006.14 ( a ) by sending threatening emails attempting to collect a debt. Capital One has closed the consumer account which is false and misleading information 12 CFR 1006.18 ( b ) ( 1 ) ( V ) ( A ) which is a direct violation of the FDCPA. Capital One has sent the consumer a balance of {$5100.00} with a minimum of {$700.00} which is false and deceptive 12 CFR 1006.18 ( b ) ( 2 ) according to the FDCPA. Capital One has put a restriction on the consumer account for nonpayment according to 12 CFR 1006.18 ( b ) ( 3 ). Capital One cited 15 U.S.C 1692 a ( 6 ) ( B ) and ( F ) and stated they were not a debt collector committing fraud according to 12 CFR 1006.30 ( e ).
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXXXXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX  - Account XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2022-05-22
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

The families at the XXXX XXXX XXXX XXXXXXXX gifted me a {$200.00} Vanilla Gift Virtual Account. I then used the card for 2 purchases ( {$27.00} and {$17.00} ), and went to use it for another purchase but was declined due to insufficient funds. I immediately went to the online account and saw that 7 additional purchases had been made that were not mine. I called and reported the fraud, at which time Vanilla froze the card and remaining balance. They told me they would investigate the purchases and try to get the money back, and in 90 days I would get a replacement card with the leftover balance on it. I still have not heard or received any of the balance at this time ( 3-4 months later ).
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : 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 2022-11-27
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. (GA)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts below to be remove, According to 15 USC 168 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-22
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: Experian Information Solutions Inc. (CA)

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, XXXX and Experian. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.
Consumer complaint received 2022-05-22
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. (CA)

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to Equifax, XXXX and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.