davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (WI)

I federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. 

PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. 

My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (RI)

My XXXX XXXX XXXX loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.
Consumer complaint received 2022-04-06
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

BestBuy is automatically enrolling me in a upgrade, that i did not ask for.The upgrade is a new credit card that can be used anywhere, not just at BestBuy. If you do not call them or go online to there website to decline new card, you will be  automatically enrolled for a the credit card.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Todays date:XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2022-02-16
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. (VA)

I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've reached out to the three major credit bureaus, XXXX, Equifax and XXXX to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX  didn't even had a balance for months just a name.

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account.

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX and XXXX  however on Equifax it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Been harrasing me for the past years about suing me for a debt collection, I disputed the debt and was erased and they keep harrasing. 
I need proof of the original agreement, including the terms and conditions under which the original lender agreed to extend credit ; copies of statements showing how the borrower incurred the debt, including the dates of transactions ; etc ...
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I took out an auto loan on XX/XX/17 the car was totaled XX/XX/2017 I made payments from XX/XX/2017. I spoke to the insurance Co and they said they were sending a check and I would probably be getting a refund for the extra payment I made. Insurance company sent a check to the bank it was cash XX/XX/XXXX so did XXXX for the extra items I have purchased both checks were cashed. I applied for another auto loan with US Bank I then get denied because they said that I was late three payments I asked them for details which took a very long time to get. I called the insurance company to make them aware that the bank said they did not receive a check from them so they that same day cancel the check and re-issue another check I didnt get a letter from US Bank telling me that my bank and stop payment on the original check that they claim they never received And they were reporting me again. I asked what I could do to get this cleared up they said I could pay it off so I did pay it off then I got reimbursed after they get the additional check from insurance company and they also found the check from XXXX that was cashed and just not posted to my account and thats exactly what happened with the insurance companies first check. They refuse to take responsibility for not posting my account correctly and they refused to correct the remarks on the credit report They calimed they sent me a letter which I have asked for a copy and still havent received it.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

at the end of XXXX around the 25 USAA started putting money into my account for some unknown reason claiming it was due to fraud. On XXXX sixth the took two recovery amounts out of my account one being for XXXX the other for XXXX causing my account to be in the negative for a total of XXXX they will not say why other than it is due to a fraud case that I did not file.
Consumer complaint received 2018-11-28
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: CAVALRY INVESTMENTS, LLC (OH)

I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX  XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX  credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. 

XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. 

I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. 

I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. 

When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. 

We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery called inquiring about my XXXX. I told them I can't help them and to not call me, as I am on the No Call List. I mentioned this to my XXXX, he denied knowing why they would call me, and was no help. That was a number of months ago - I have been too busy to contact you sooner. 

At least two or three times a week since then I get calls from them from different phone numbers which I do not answer. I did get a call this morning, and now have time to contact you. Their numbers have been : XXXX ; XXXX ; XXXX ; XXXX ; XXXX I do not have any reason to have any dealings with them. Even if they had XXXX XXXX phone number, he would not answer. So I guess this gives someone a job, fine. But invading my personal life and that there is a law against this, I do appreciate any assistance from you to stop this harassment and to take action against them. Thank you-
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found the goods I was looking for in XXXX XXXX, me and the seller ( scammer ) texted each other about the item in question and the payment needed, he said he only accepted XXXX. I transferred XXXX dollars to his XXXX account. And after I messaged him that the payment has been sent, he blocked me off of XXXX without notice. The scammer 's name is XXXX XXXX. And he's got an accomplice. The banks involved are Bank of America ( my bank ), and XXXX XXXX the scammer 's bank ). I've already called BofA about the XXXX transaction and the best they could do is submit a claim.
Consumer complaint received 2023-03-28
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
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: EQUIFAX, INC. (MD)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : 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
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and XXXX  a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine XXXX times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. 
Further I do not agree to compound interest.