davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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)

Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (TX)

The following accounts are inconsistent and only show on my XXXX and Experian consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney General-XXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.
Consumer complaint received 2022-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

This so called debt was removed when it was placed with XXXX after a CFPB complaint in XXXX of 2021. The current debt collector Commonwealth is violating the FDCPA and FCRA by not sending me notice, XXXX or an opportunity to dispute the debt. Thus is the result of identity theft. It is not mine.
Consumer complaint received 2019-06-28
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. (VA)

I have tried to resolve this issue many times with XXXX XXXX XXXX but it never worked out. 

XXXX XXXX XXXX has done erroreneous reporting for two Hard inquiries dated XXXX XX/XX/2017 to issue credit card. 

I had applied for credit card on XXXX XX/XX/2017, only once and that was in-person in the branch and it was immediately approved by the branch manager XXXX. 

XXXX  XXXX XXXX has pulled my credit score twice without my permission or it has erroreneously reported two hard inquiries. 

However if XXXX XXXX XXXX has my second application on the same day, kindly provide me papers of my second application papers as an evidence. 

Else remove the wrong hard inquiries from my profile.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 I applied for a refinance loan with Bank of America. I was told that I could not be approved because I am retired and only have limited income. Bank of America did not consider that I have over {$1.00} XXXX in cash & stock assets. I explained that I withdraw {$3600.00} a month from my savings to cover expenses. And, in three years when I am XXXX I will receive {$3700.00} a month in income. Bank of America did not consider that, if needed, I could draw social security at any time. Bank of America did not consider that I could draw from my 401K at anytime and can withdraw from my savings at anytime. Since most retirees live on their savings ( that's why we save for retirement ) I believe Bank of America 's policy amounts to discrimination on the basis of age - over XXXX.
Consumer complaint received 2022-01-22
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 have recently filed a dispute with Experian regarding a company by the name of XXXX XXXX and in my dispute I asked Experian to provide me with original documentation requested that will solidify that a debt is owed by me. Experian could not provide me with that documentation, so instead they removed the account from my consumers report. Experian have now just added this company back to my consumers report and I have disputed this account and they deemed it as verified this time, without providing me with the original documentation that will solidify their reasoning in deeming it as verified. I have no signed contracts or agreements with this company, Experian is leading me to believe they did an improper and incomplete investigation, because he WILL NOT PROVIDE THE ORIGINAL DOCUMENTATION THAT WAS REQUESTED.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Completed a zero interest on a balance transfer on Zero interest expired which they changed to a cash advance, I have never had a cash advance in my life. Paid of the balance by the due date and they still charged {$60.00} cash advance fees after pay off. Not sure what other overcharging as I just noticed this when I called and they said I did a cash advance never did this, I asked why did you move the transfer balance into a cash advance is this not illegal? 

Unfair business practice taking advantage of the consumer. 

Member Number : XXXX Penfed credit union XXXX
Consumer complaint received 2022-10-12
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. (MS)

Please remove this negative account. 

XXXX XXXX XXXX XXXX XX/XX/2015 I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of this account. I don't know who could have done this. This is identity theft and a nightmare.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (SC)

The Receivable Management Services LLC is contacting other people and asking for me. They have recently sent a letter stating that I owe a debt to a random web-based company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company.
Consumer complaint received 2022-07-07
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. (PA)

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 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Credit collection agency states I owe these two collections however when I sent validation of debt, they are unable to verify. This is a FDCPA violation of my rights. I demand these two collections be DELETED off my credit report immediately. They say they cant verify my information and I need to provide more but that is not my job to give them information.
Consumer complaint received 2022-07-07
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. (LA)

I have sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.
Consumer complaint received 2022-01-22
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. (TX)

The following inquiries should not be on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX need to be removed. 

Transunion XXXX XXXX XXXX XXXX need to be removed.
Consumer complaint received 2022-01-22
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. (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 Experian 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 Experian 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 : XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (CA)

I wasnt noticed by either XXXX XXXX  or Calvary portfolio of my account been sent to collection XXXX XXXX  closed my account sold it to third party and now they are telling me I need to speak with them but why would my account be open I have never sing a paper for my account to be open I request for this to be close immediately and removed from my credit.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (FL)

I received an Email and then a phone call from XXXX XXXX XXXX indicating that I owe {$890.00} for a XXXX XXXX XXXX account XXXX an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At XXXX point, I recall getting a notice regarding Indigo a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; XXXX XXXX XXXX. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks
Consumer complaint received 2021-05-12
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. (IN)

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, TransUnion, and XXXXx.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I leased a car in 2016 and paid for 3 years through XXXX  and XXXX  partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called XXXX XXXX XXXX XXXX XXXX and Receivables Development Management LLC is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.
Consumer complaint received 2022-01-22
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. (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 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 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 : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
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. (IA)

The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (PA)

Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called XXXX. They ( BECU ) say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with BECU. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the BECU is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: STATE FARM BANK, FSB (FL)

I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.
Consumer complaint received 2019-01-12
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. (TX)

I have already reached out once to XXXX  & Equifax about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me. 

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me. 
they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed  above. 

Under the FCRA, unverified, invalid accounts must be removed.
Consumer complaint received 2022-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I am unable to make my monthly payments and feel that XXXX XXXX XXXX misrepresented when taking out these private loans a claim that has been approved by my borrower defense application through the Department of Education ; however, Navient disagrees and says that private loans are excluded from borrower defense and multiple agents tell me that I have no options and need to repay the loans. I feel that misrepresentation and fraud under Federal Rules 34 C.F.R. 685.206 ( c ) and/or 685.222 should apply regardless of the loan type. Navient calls me every hour for the last 45 days to make my payments which I tell them I have been going through a hardship and they do not seem to care or willing to work with me. I have had undue stress and suffered XXXX divorce because of this debt.
Consumer complaint received 2022-04-08
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. (CT)

I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.