davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

It appears this Collection agency has purchased an old fraudulent claim from XXXX that clearly was fraudulent. They have filed collection notice on 3 credit agencies in an effort to collect with out regard for the validity of the claim. 
Now they are holding me XXXX and charging me on a monthly basis to resolve this issue .. What a scam. if this is happening to me its happening to other people. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
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. (TX)

I called XXXX  and Transunion and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-05
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. (NJ)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX 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
Consumer complaint received 2022-06-05
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. (NJ)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX 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
Consumer complaint received 2022-06-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2022 I found that my Bank of America credit card was unavailable, I called Bank of America customer service, the Bank of America customer service told me that my credit card was closed, I said it was the first time I met, why didn't you notify me in advance, they said According to the contract, the user 's credit card can be unconditionally closed. At the same time, after the checkpoint, they shamelessly expressed the checkpoint and sent us the reason for the checkpoint by registered mail. Regarding their shameless behavior, I have no choice but to accept their checkpoint behavior. 
I am a new immigrant of the first generation. Because of language problems, we can not understand their terms of service. At the same time, because our entire family only has one account in the US bank in the United States, usually bank cards, savings cards and credit cards, All use the business of Bank of America. 
On XX/XX/XXXX, we actually found out that our Bank of America debit card was closed, and the debit card that our family of four used to buy food, eat, and survive was silently and shamelessly closed by Bank of America, and they didn't have any emails and We were notified by phone, so we went to Bank of America to consult the bank staff. The bank staff told me to call customer service. We could only call customer service. The customer service asked us to find a bank teller. 
Later, we can only transfer part of the money through XXXX online to maintain our livelihood. For the behavior of Bank of America that deliberately starved us to death, we asked them to apologise to us in the XX/XX/XXXXXXXX and the XXXX XXXX XXXX, And quickly transfer the remaining savings of our poor family to our hands, otherwise I will continue to save my right to appeal.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXXXX/XX/XXXX Balance Owed : {$6100.00} XXXXXX/XX/XXXX Balance Owed : {$6200.00} XX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX insists on reporting information they know is false despite multiple requests. XXXX XXXX and Equifax report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Hello Have been trying to get a signed copy of the Debt that is owed to Midland Funding, As they are the Collection agency listed on my Credit reports, to Date, i have received no Validation of the Debt owed, I've asked for Validation of this debt within 30 days or this matter will be elevated to the appropriate Agency.
Consumer complaint received 2022-06-05
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. (TX)

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under any open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

This complaint is a follow-up on CFPB complaint XXXX. In this complaint, I requested Truist Bank to close all my accounts and refund the {$72.00} in NSF fees incorrectly charged to my account and now to refund the {$20.00} check account maintenance fee that Truist Bank has charged me because they have not yet closed my account ( s ) as requested in CFPB complaint XXXX.
Consumer complaint received 2019-01-31
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. (VA)

Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (TN)

I am writing this complaint because I noticed upon review of all three of my consumer reports that the company SELF FINANCIAL INC. did not state that the account was disputed in the comment section of my consumer report. This account was in fact disputed 3 times consecutively. 2 being CFPB complaints XXXX, XXXX, and 3rd being through the state attorney general of Tennessee. This account was not flagged as disputed per 15 USC 1681s-2 ( 2 ) ( 3 ). SELF FINANCIAL INC is in violation of the Fair Credit Reporting Act 15 USC 1681s-2 ( 2 ) ( 3 ). This account is hereby disputed because SELF failed to report the disputed accuracy of the account to the consumer reporting agencies. I have circled the incomplete inaccuracy in my consumer report and provided it within this portal. It has been 30 days and you have not properly marked the information as " disputed ''. This account is hereby disputed. Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). To ensure fair and accurate credit reporting, the Fair Credit Reporting Act requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Cir. ) INTEREST OF AMICI CURIAE To ensure fair and accurate credit reporting, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., imposes various requirements that consumer reporting agencies and the companies that provide those agencies information about consumers, known as furnishers, must follow. As relevant here, under Section 1681s-2 ( b ) of the FCRA, when a consumer disputes the completeness or accuracy of information in her credit report with a consumer reporting agency and the agency forwards the dispute to the furnisher, the furnisher must conduct an investigation to determine whether the disputed information can be verified and cease reporting any information that can not be verified. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission filed an amicus brief arguing that the duty to investigate applies not only to factual disputes, but also disputes that can be labeled as legal in nature. The brief explains that, among other things, a contrary approach is not supported by the statute, risks exposing consumers to more inaccurate credit reporting, and undercuts the remedial purpose of the FCRA. It also explains that the statute does not authorize furnishers to forgo investigating any dispute simply because there may be colorable arguments on both sides.
Consumer complaint received 2023-06-27
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)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-09-29
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. (FL)

I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft report
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for credit with american axpress, i made them aware that i made an investment with their company and as a beneficiary i am suppose to recieve benefit of the agreement and trust made inbetween the security agreement that was secretly made amongst the servicer and issuers and transfer agents with myself. they denied me access to my equal and fair value given in exchange for the barter made and have defrauded me of my lofe and value and credit and have cause actual real damages to livelyhood.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Law Offices of Gregory Alexandrides, LLC (SC)

My social security card was stolen from my house after a women which was my ex boyfriends step mom ran me over with her SUV killing me, an has caused me so much pain because I can barely work, my body cant handle a full time job right now an everyone around me thinks their entitled to my money when there is only one of me. I just want my identity back an have everything to where no one can use my name or social security card or information again. Because i have taken a major loss an im drowning on almost a million dollars worth of medical bills that the hospitals promised they would help pay with their programs but they lied. Im just tired of being mislead by false claims, I want my freedom. Because I deserve it because I worked hard for every thing I have an I shouldnt have to lose it because the government broke their promise.
Consumer complaint received 2022-06-05
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. (AL)

I contacted transunion about serval inquiries that are fraudulent I explained to them the law under the 15 USC 1681b Permissible Purpose Of Consumer Report and also sent a dispute letter in alone with a police report and clear picture of my ID and was told by the company yes we understand you know the law sir then hung up in my face
Consumer complaint received 2022-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending has assured me that 1 ) property taxes have been paid in full with no penalty and 2 ) they have conducted an escrow analysis. However, the XXXX XXXX XXXX XXXX 's office still shows my 2023 property taxes as being delinquent. Further, Planet Home Lending is holding an exorbitant amount of escrow ( over $ XXXX ) and refuses to release the excess to me. I have tried contacting them but their voicemail system takes you through endless loops and emails go unanswered for weeks on end.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (WA)

After suffering job loss during the pandemic and asking to have this debt removed from my credit report due to natural disaster ( Covid-19 ) in 2020 this third party debt collector refused. They then contacted my boyfriend and sent him a letter addressed to him and not me with my debt information and a collection notice. The notices are for my accounts and they sent him my past due bills.