davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

Hello on XX/XX/XXXX I came into an agreement with the National Credit Adjuster to pay a debt that was sold to them by XXXX. I owed them {$260.00} and I asked to pay half and if I was to pay half if they would be willing to do a pay to delete. I paid {$160.00} to the National Credit Adjuster. Furthermore looking into my credit report. NCA has been reporting false information that is causing major harm to my credit profile. They are reporting Monthly on a Closed and Paid account. They are reporting different dates the all THREE credit bureau. This inaccurate information is harming my credit. 

XXXX is reporting Date Last Active XX/XX/XXXX and reporting the account as a collection. Last reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. And reporting the account as XXXX. XXXX reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX and reporting the account as Collections. Last reported XX/XX/XXXX. 

I have paid my debt in full, and the National Credit Adjuster is reporting inaccurate information. I have contacted all THREE credit bureaus. I will appreciate if the National Credit Adjusters remove the Collections/ChargeOff from My report. As they are providing inaccurate information and violating Under the Fair Credit Reporting Act and I have a right to have it removed.
Consumer complaint received 2022-06-11
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. (TX)

I received an update to my credit report on XX/XX/XXXX and my account is still inaccurate. Ive requested for this account to be deleted due to years of incorrect reporting and damages. Every detail of this account was inaccurate, but yet you considered to state this is a validated account? Removing information that I advised you was incorrect from a previous dispute and still not reporting accuracy is still a violation of ( FCRA.-Per 15 USC 6802 & 1681 A ) ( B ) ( C ) & 15 USC 1602 ( L ) ) and re-aging. After the dispute your company has now removed information that you had inaccurate with blank information but is still reporting and account paid in XX/XX/XXXX and a collection marked in XX/XX/XXXX with no history of late payments, which we know that an account cant be a collection without history. This account was never a collection account. Also, the delinquency dates can not be missing and is illegal because of Re-Aging. and again is against the law. There is no evidence of this account ever being a collection account. 
You received a written demand for this account to be deleted due continuous negligence in accuracy and damages. Please keep in mind that I have reports of where this has been incorrectly being reported on my report for years that has caused affect to my pursuit of happiness which is prohibited by law. I have asked you to delete this account not remove inaccurate information... but to remove the account as an entirety because the entire account is erroneous and has caused damages to my pursuit of happiness. Accuracy is detrimental and this need to be removed. 

Attached is the account before the dispute and the account after the dispute.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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.
Consumer complaint received 2021-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to NCA this is not my dad I have disputed it with all three credit bureaus and NCA without investigation or providing any proof says the debt is mine and the credit bureaus believe them
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-08-01
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. (FL)

I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( XXXX ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and XXXX XXXX You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (VA)

THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.
Consumer complaint received 2021-12-06
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. (CA)

On XX/XX/2021 I wrote to TransUnion to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been more than 38 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress, as well as resulted damages, to still have these inaccurate and false accounts attached to my credit report. Please, support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.
Consumer complaint received 2024-02-06
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)

XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with no-affiliated third parties and consumer reporting agencies. I have appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/XXXX  i notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for sharing of my nonpublic personal information with no affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX XXXX  complies with all federal regulations and laws including GLBA, to protect the privacy and information security of consumers like me. 

Additionally, i would appreciate regular updates on the progress of this investigation and any actions taken to address the violation committed by XXXX  XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV INC. (IN)

Since XXXX, I have had my check payments " declined '' by three- ( XXXX ) different merchants that use Telecheck XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all telling me to contact " Telecheck XXXX for an explanation. Coincidently, there was XXXX XXXX the $ amount in my checking account at the time that each check was " declined ''. 

I have tried more than eleven- ( XXXX ) times, since XXXX, to contact " Telecheck XXXX by both phone and online : XXXX. When I call the given number, XXXX, I enter a merry-go-round of questions which eventually either asks for information already given or advises me to inquire online - never able to talk to a person. 
XXXX. When I attempt an inquiry online, it asks for my SSN, bank account number, and bank routing number without advising me that it is a secure site. Without all this information, the inquiry can not be submitted. 

Also, in good faith, I have attempted to contact " Telecheck '' at their XXXX, GA, and XXXX, TX, addresses by XXXX " certified mail '' - sent XXXX. 

I can only speculate that it is related to an echeck incident at XXXX XXXX XXXX on XX/XX/27 which has already been resolved and all NSF fees refunded ; but, I don't know that. 

Coincidently, XXXX XXXX processed a check on XXXX for a large amount without incident. 

I am " old school '' and pay my bills by check. I don't want to be embarrased anymore when I hand or send a check for payment and it is " declined ''.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Consumer complaint received 2021-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, Transunion ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! 
CREDIT IS LIFE. 
15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report. 
EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. 
So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 
15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death! 
18 usc 8 : All debts are obligations of United States. 
Law comes from God. 
I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! 
WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. 
Im a lender not a borrower. 
I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!
Consumer complaint received 2023-03-22
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: JPMORGAN CHASE & CO. (NY)

I'm composing this complaint to JPMCB. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, my phone was stolen from a restaurant that me and my daughter had breakfast at, I have my passwords saved/written down in my notes/apps such as XXXX, XXXX, XXXX XXXX XXXX and XXXX. I was able to retrieve my phone using the Find my iphone app XX/XX/2021. Once I got my phone back, I seen that whoever stole my phone sent out {$8700.00} dollars out to different merchants such as XXXX ( {$600.00} ) XXXX XXXX ( {$2800.00} ), XXXX XXXX ( {$1800.00} ) and XXXX ( {$3500.00} ) to people I have NEVER sent money to. I did not authorize these transactions. It was not hard to do this if my phone is STOLEN AND UNLOCKED. I made a couple claims to my financial institution which is Bank Of America on XX/XX/2021. Today is XX/XX/2021. I have talked to multiple associates/supervisors. Ive been told different information where I would be credited my funds by a certain time, which did not happen. Some associates were not helpful and acted confused to what was going on. Some tried to transfer my call, Ive been hung up on multiple times, one claim has been closed 2 different times but also reopened due to New information being provided but I told Bank Of America the details from the 1st day I made the claims. Ive provided a police report, FTC identity theft report, and affidavit thats been NOTARIZED to multiple fax numbers XX/XX/2021, XX/XX/XXXX & XXXX that I was told to send to from different associates. Different associates said they made notes of info I provided, but is not true, because when I speak to someone different, they dont see certain statements that have been supposedly noted. I am very frustrated because its an emergency and disturbing me and my daughters livelihood, household a d finances. Ive been credited my funds through XXXX already. I am have not been refunded the other merchants, which have informed me the refund should be from my financial institution which is BANK OF AMERICA. Ive went above and beyond to expedite these claims and exceeded the requirements of regulation XXXX as a consumer and natural person. I need my funds credited to my account immediately as per regulation XXXX the time for my funds to be returned to me has exceeded.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (FL)

I received a call from a person claiming to be from XXXX XXXX. This person confirmed they were calling about debt, but refused to identify the debt. I have a right to know what they are calling about. The person hung up when I called back, she kept hanging up on me. She was told to never call again.
Consumer complaint received 2021-12-06
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. (AZ)

On XX/XX/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.