davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (FL)

On XX/XX/2021, I sent a letter to Equifax regarding my rights being violated. Equifax is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Consumer complaint received 2021-08-25
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. (DE)

All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I filed a dispute for incorrect problems on my credit report. It has been well over 30 days and I haven't recieved any investigation results.
Consumer complaint received 2021-12-13
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, THE BUREAUS XXXX )
Consumer complaint received 2021-12-13
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Experian failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX XXXX )
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (PA)

Dynamics Recovery Solutions calls me with a debt claiming to be XXXX XXXX XXXX in which I never heard of or no of. My next issue when they call they ask me did I want to settle the debt with a credit card number. The person on the phone could not provide me with no notice in the mail nor have they mailed me nothing. When I ask them can they provide a contract and who sign the said they did not have one. After that I told them that I was filing a complaint with the US Attorney office of consumer complaints and the CFPB. I called back 15 minutes later they claim it belong to some one else over the phone. Then call me back trying to explain there mistake.
Consumer complaint received 2021-12-13
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2021-12-12
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. (GA)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Yesterday, XX/XX/XXXX at XXXX XXXX someone called me from the Bank of America phone number and impersonated a Bank of America fraud agent, he made all of these claims saying that there were XXXX fraudulent XXXX  transactions that were trying to be initiated on my account and I needed to move quickly to make sure that my account would be protected. So he had me add some suspicious name and then send an account through XXXX and then afterwards he hung up the phone on me and so once that happened I knew that I had been scammed. I had received credible calls from the bank a few days before this like in XX/XX/XXXX and they sent me out a new bank card because my account had been targeted with fraud. So when I received that call yesterday XX/XX/XXXX at XXXX XXXX I truly thought it was the bank reaching out to me once again. So once I woke up this morning, I realized that I had truly been scammed and my money was gone forever. I called the bank and they told me there's nothing they could do to help me because by using XXXX I authorized that transaction but I truly did not know and I just feel like there should have been more protection for my account.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (CA)

I filed a claim for {$130.00} that I did not do they mailed the paperwork on XXXX of XXXX it got to me XXXX XXXX or or XXXX of XXXX it was suppose to be there in 3-5 business XXXX dollar ATM with draw at XXXX I didn't do an XXXX charge to XXXX I didn't do .it states in contact you sign that if there investigation is not done with in XXXX business days you will not may get a temporary credit until they complete the investigation. There refusing to credit my account an they sent me claims that I didn't make so I corrected the error an mailes back my paperwork on time.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX never gave Equifax written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On XX/XX/2021 I called a phone number I thought was the Customer support line for XXXX XXXX ( XXXX ) to request help with a problem with my XXXX printer. The person I reached identified himself as XXXX XXXX, a technician for XXXX. I allowed him to remote into my PC and he restored my printer function. He also told me that I had several ( XXXX ) drivers that were outdated and that my network was corrupted. He offered to install an encryption program for firewall protection and to update the drivers thus providing PC security protection. He indicated that this was an XXXX product and they would provide support. I purchased a XXXX subscription for {$350.00} paid by credit card on XX/XX/2021. XXXX said the firewall protection would take 2-3 weeks to install. I was directed by him not to sign into online banking or any other financial site so they could detect unauthorized sign in attempts/activity. During the months of XXXX and early XXXX, there were several times when my internet connection was interrupted. Each time XXXX contacted me by phone ( XXXX XXXX ) to tell me that as a result of the internet disconnection, the installation process had been interrupted and would have to be restarted. On XXXX received a phone call from XXXX telling me the internet connection was lost again. He directed me in opening a XXXX XXXX XXXX account to secure the {$350.00} cost of the encryption program in case they were unable to finish the installation. I didnt know about XXXX but didnt question XXXX request because he had given what I thought was good customer service and I trusted him. Guided by XXXX, the account was set up over the phone and I did not see what he was doing or know that he was entering my bank account information ( he had hacked into my online bank account ). In all about {$150000.00} was transferred from my US Bank checking into the XXXX account. The entire time, each notice sent from XXXX or my US Bank checking account of these transactions were deleted or hidden from view on my XXXX email account ( XXXX ). So, I was unaware of the unauthorized transactions. At this same time, XXXX once again advised me to avoid logging into my online bank account or any other financial site until the encryption installation was completed. Consequently, I was unaware of the activity occurring in my checking account. On XX/XX/2021 at about XXXX, I noticed an email on my phone screen that immediately disappeared. It indicated something about a {$28000.00} transfer of funds. It disappeared so quickly I wasnt able to see where the funds were initiated or where they were deposited. I quickly logged into my online bank account to find multiple withdrawals from my checking account. I immediately called US Bank Fraud Liaison Department, reported the fraudulent transactions and closed both of my active checking accounts. On XX/XX/2021, I notified XXXX of the suspected fraud and had the account frozen ( XXXX  XXXX # XXXX ).
Consumer complaint received 2021-12-12
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. (GA)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NE)

Credit Acceptance Corporation added and Auto debt to my credit report report as a collection in the Amount of {$6000.00}. I have no knowledge/responsibility of this account and never received any letters/statements detailing charges or phone calls. In XXXX of XXXX Credit Acceptance Corporation changed the account status from a closed collection account to an open account status and changed the payment information after I disputed not having any knowledge of the account and attempted to verify the debt. They started reporting late payments every month from XX/XX/XXXX. The payment histories they added have drastic differences between each of the credit bureau reports when I have never paid on the account. I sent them a final demand letter on XX/XX/XXXX to send me information to verify the debt. They will not respond to my request.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I was approved for {$1900.00} with NetCredit it was originally to be funded on XX/XX/XXXX First they advised my that the needed ONLY 2 paystubs and then I needed to call to verify my identity which I did both. But they withdrew my application Then they said that I needed 2 bank statements which was submitted My employer does not offer direct deposit.. now the declined stating they cant verify my income. Im being discriminated against because my employer doesnt offer direct deposit But the bank statement does show 2 direct deposits of social security per month
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. 
I am stuck and need help from the consumer financial protection bureau.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.
Consumer complaint received 2022-09-26
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALCHRO INC. (FL)

XXXX XXXX I mailed a certified dispute letter to FST FEDERAL CREDIT & COL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over XXXX complaints with the CFPB. The FST FEDERAL CREDIT & CO failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2021-12-13
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. (VA)

This is XXXX 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX  and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2021-12-13
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Report : ( XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )