davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (TX)

Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )
Consumer complaint received 2022-12-03
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX  XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (IL)

A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc. (CO)

Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
Consumer complaint received 2024-02-14
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. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Added an authorized user to my account, and a new card was mailed to my address. the card was not received in the mail, but on XX/XX/2022, I was alerted that XXXX XXXX XXXX tried to charge {$340.00} but declined. I should click Yes if it's me and No if it's not me. 

I select No. It was not my transaction nor my authorized user. I called customer service and spoke to the fraud team, and they order me a new card, which I am yet to receive. I was told on multiple occasions that the fraudulent amount would be credited. I am yet to receive it. 

I have contacted Discover card on multiple occasions just to be transferred to the same set of departments over and over.
Consumer complaint received 2021-03-10
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: CURO Intermediate Holdings (IL)

On XX/XX/2019 XXXX XXXX add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file. 

In the previous responses ( XXXX and XXXX ) the company did not provide me with the documents. The complaint XXXX was closed as a duplicate.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2019, I receieved a copy of a Summons that was sent to XXXX XXXX XXXX XXXX Ill, I don't have a bank account with them. This bill is about 12-15 years old in Illinois the city of XXXX they are still allowing them to try to collect on this credit card is this legal or not?
Consumer complaint received 2019-05-24
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: BB&T CORPORATION (SC)

It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. 

Please provide me a copy of a signed credit application or document showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 15 days I request that you immediately DELETE this item from my credit report. 

Please note any template letters, or off subject information requested will be taken as an avoidance tactic by your company.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank ( USA ), N.A. ; Capital One, N.A. ; Capital One Financial Corporation ; Capital One Services, LLC ; addresses XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX and XXXX XXXX XXXX illegally pulling my XXXX, XXXX and XXXX credit reports as credit inquiries. At this time I do not have any credit card or loan accounts with Capital One Bank ( USA ), N.A. and this bank is not authorized to pull my credit reports without my consent. Which is a violation of FCRA Act. It appears Capital One Bank illegally pulled my XXXX, XXXX and XXXX Credit reports on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, the balances on accounts ending in XXXX and XXXX were waived, removed and deleted from all three major credit Bureaus XXXX, XXXX and XXXX. Therefore there is no debt that gives Capital Once Bank N.A. rights or authoirization to pull my credit informatioin without my consent. 

Full disclosure, I do have a Capital One Auto Finance account number XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. Per my credit report Capital One Auto Finance pulled my credit report on XX/XX/XXXX. Which Capital One Auto Finance is a separate entity and subsidiary on the parent companies.
Consumer complaint received 2022-02-25
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. (SC)

I AM THE NATURAL PERSON, CONSUMER AND CREDITOR. EQUIFAX, XXXX, AND XXXX BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX2022 THERE ARE XXXX NEGATIVE REPORTING TRADELINES AND XXXX CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE COMSUMER CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY XXXX GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH XXXX.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I filed bankruptcy back in XXXX of XXXX and Experian took most of my accounts that were in good standing and marked them as potentially latemeaning the account had missed payments which they never did. Also they put accounts that wasnt included in my bankruptcy incorrectly on my credit report. I reached out to Experian and the representative told me I had 19 accounts with missed payments and that its showing potentially negative or missed payments which is also incorrect. Theyve also are refusing to remove the potentially negative remarks off my accounts stating that because it was put into a bankruptcy, they have to report it that way which is falsely reporting information when someone runs my credit and they also took all my accounts and put them over the credit limit which at the time before I filed my bankruptcy none of my accounts was over the the credit limit. They need to fix my credit report the way it was before I filed my bankruptcy and stop putting potentially negative on accounts that was never late because Im trying to get approved for a mortgage in XXXX of XXXX.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Concerning complaint # XXXX I am grateful that BofA removed my SSN from XXXX XXXX XXXX XXXX XXXX Irrevocable Trust , a 501 ( C ) ( 3 ) tax exempt XXXX XXXX XXXX As a XXXX  XXXX with a XXXX XXXX XXXX number, I know exactly how it's supposed to be listed and registered. 

Legally, the companies final response was incorrectly addressing the XXXX XXXX and it's subsidiaries as being mine. I must emphasize that I do not own them and I volunteer for them. 


I have an issue with the reasoning behind my SSN being incorrectly used and the XXXX XXXX funds being released as mine to XXXX XXXX of XXXX XXXX because I was denied much needed services. 

Because of this, my credit score was negatively effected, my renters credit was negatively affected. I had to request financial aid from the church I volunteer at as the XXXX XXXX. On top of this, all three entities couldn't do business. 

The legality and fall out from the excuse given is quite extreme. 

The excuse that BofA had a technical error brings up a much larger question. 

How many other accounts are incorrectly entered? 

How can customers be sure this won't happen to them? 

Was this discrimination against me or are accounts purposely being entered incorrectly for the benefit of someone? 

What kind of a technical error would just effect the XXXX XXXX accounts and not others and why, after my countless efforts with in person meetings with the local bankers and hours on the phone with representatives did it take 6 months to fix? 

What about others who bank with BofA? Will there be a mass exodus from BofA because of such a mistake? 

How did this happen and what is preventing it from accidently happening again?
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (IN)

On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX  verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.