davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-02
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)

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There is a incorrect hard inquiry showing on my credit report for Equifax. 

XXXX - XX/XX/XXXX Two letters were sent from the company, XXXX XXXX XXXX, who confirmed this was done in error since I do not have any accounts with them. 

Equifax mailed a dispute letter incorrectly stating that the inquiry did not reflect on my report. 

However, that is false since it is listed as XXXX on my report from XX/XX/XXXX. 

I would like the matter to be resolved by removing the inquiry off my file since the company has confirmed this and so have I. 

Thank you.
Consumer complaint received 2022-02-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS provided a letter dated XX/XX/2021, stating that " your obligation has been discharged under the United States Bankruptcy Code ''.

If this is the case, then why has the account not been closed and the lien released please? I truly do not comprehend this.

Furthermore, SPS was also defaulted out yesterday on a Quiet Title suit so what exactly is their interest in my chattel property and what exactly is owed?

Please provide a True Bill or accounting showing a -0- balance and send the lien release.
Consumer complaint received 2022-02-19
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. (IL)

I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX and they apologized but could do nothing for me
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MN)

Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account.
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I the consumer made application for {$50000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.
Consumer complaint received 2022-02-19
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Consumer complaint received 2022-02-19
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: Convergent Resources, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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: W&A Intermediate Co., LLC (GA)

Medical collections under {$500.00} are to be removed from credit reports according to the Consumer Financial Protection Bureau. The company did not remove their account. 

WAKEFIELD AND ASSOCIATES Original Creditor : CEP America LLC Alleged Balance : {$380.00}
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I was alerted that a frivolous collection agency Transworld Systems Inc. placed an account for collection on all credit bureaus for the amount of {$220.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. On XX/XX/XXXX the agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statue that the collection agency can collect legally on this debt. On XX/XX/XXXX Transworld Systems wrote and informed me they have investigated and responded yet I have not been provided no legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Transworld Systems needs to be held accountable for their unlawful actions.
Consumer complaint received 2022-02-19
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I learned about the fraud that ive been victim, due my ATM/debit card was stolen/lost and my personal account compromised l send a letter to this institution on XX/XX/2019 showing and highlighted bringing the amount of {$3300.00} in fraudulent activity as well explain my situation but I didn't receive NOTHING even a denied letter. Honestly I was thinking and expecting more from this institution.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (OR)

We decided to have access to our tax return early as adverted by CreditKarma through XXXX. Once the refund from the government were available, we were unable to access the said funds through wire, XXXX or any of the advertised means. Additionally, the website claims that up to {$5000.00} is able for transfer at any given time, however when attempting to complete the transfer, the daily limit is {$1000.00}, less than 10 % of the total available funds. When contacted customer service, they were unwilling to assist with the issue, and no resolution was completed.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

Discover card revolved my account with out prior warning. They claim I called in and have a recording where I agreed to provide personal information verification via email. I made two payments to discover in XXXX, if I was unwilling to work with discover I would not have made two payments in XXXX. I requested they reactivate my account and they refused. However they never produced in writing any request regardless of phone call to ensure that the information was not missed in an email. They claim two have sent two emails requesting personal verification via email with out sending a letter when the email process they say I agree to didnt work. I am not disputing the call or conversation I just dont remember it. People forget things this should not be a reason to revoke their account without true due diligence.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

discover Bank account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Consumer complaint received 2022-10-02
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. (GA)

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

15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I reached an agreement with Barclays Bank to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with XXXX and Barclays fraudulently claimed that the account was still delinquent and I owed them additional money
Consumer complaint received 2022-02-19
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Paid for a {$250.00}, {$250.00}, {$350.00}, then {$250.00} XXXX XXXX gift cards from XXXX and XXXX XXXX within 7 attempts in 60 days for free tax credit refund beginning {$500000.00} and the banks are refusing to buy the XXXX store delivery plain XXXX gift cards of {$25.00}, {$50.00}, {$100.00}, {$200.00}
Consumer complaint received 2022-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as XXXX XXXX XXXX in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX XXXX. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

Their sending me a letter saying that their sending my name to a collection agency. The problem is, this is NOT MY DEBT. Their trying to say I was a co signer to medical bills. I have NEVER co signed for anybody 's Doctors bills. ( wouldn't I have to sign a form, anyways? ) I told them to take my name off of this and they said NO, THEY WILL NOT. I told them I was going to sue them for harassment if they didn't stop harassing me.. I am XXXX years old with children over XXXX years old and I don't need this aggravation. I want them to take my name off of this because my credit is excellent and this is NOT MY BILL!!! Thank you!!
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the 100 % accurate reporting of this XXXX XXXX XXXX  charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account..XXXX XXXX XXXX transunion XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number transunion is reporting XXXX XXXX is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting {$780.00}, {$0.00}, and {$780.00},,,,, ,this is inaccurate reporting
Consumer complaint received 2022-02-19
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. (OH)

I have been a victim of identity theft. My information was involved in the XXXX XXXX XXXX and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (KY)

XXXX knows I have an attorney. They even sent my complaint responses to him however after I filed a complaint about XXXX contacting me not my attorney they then hired another 3rd party that also has started calling me several times a week and sending me correspondence in the mail at my home.and not to my attorney. I will attach a copy of the complaint results that include this debt that was sent to XXXX XXXX and then the correspondence from the new 3rd party. I'm not sure the date it was recieved but it says to respond by XX/XX/23. I think I recieved it around the end of XXXX. I can look through informed delivery if the information is needed. The calls started around the middle of XXXX.