davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX ; XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-13
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. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX requesting validation of an account in the amount of {$1900.00}. 

On XX/XX/XXXX I opened a dispute with each of the credit bureaus ( XXXX, XXXX, and XXXX ) to verify the accuracy of each account. All were verified with exception of XXXX, which deleted the account. However, the date open is inaccurate since the accounts date of first delinquency is XX/XX/XXXX ( confirmed by the original creditor during call on XX/XX/XXXX ) and XXXX XXXX XXXX is reporting the open date as XX/XX/XXXX. From my understanding the Open date must match the date of first delinquency. 

On XX/XX/XXXX, XXXX XXXX XXXX responded with a copy of the statement, private medical information ( which is hippa violation ), hippa agreement. XXXX XXXX XXXX is not listed on any hippa disclosure agreement they sent to me.They did not provide all of the requested validation items which included a request for an agreement with the original creditor stating their authority to collect on the alleged debt. Additionally, how are the credit bureaus able to very an account that not been validated with the consumer. 

On XX/XX/XXXX, I contacted the original creditor to get all previous statements that would have been mailed to me prior to the account being turned over to XXXX XXXX XXXX. The hospital billing department could not provide me with the statements and told me that I needed to contact XXXX XXXX XXXX to obtain those items since the account is now with them. However, the hospital did inform me that the date of first delinquency was XX/XX/XXXX. I called medical revenue services to obtain a copy of all statement and was told the only I will get is what they have already sent. During this call the associate and supervisor were rude, condescending, and made a few accusations in regards to my character stating that I lied in a dispute to the credit bureaus stating I was never at the hospital which is entirely false based on the letters I have to this complaint which I have attached. She also made comments about my mode of living and stability, which can be proven to be inaccurate.I have attached a recording of the call from today.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (WA)

Today, I opened a Master Credit Card with Synchrony Bank via TJMAXX, the advertisement informed me that if approved, I'm eligible to receive 10 % off my purchase and I can use the card TODAY ; however, when I attempted to use the card to complete me transaction, I was denied. I contacted the bank 's customer service ; however, I was informed that the temp generated number, expiration date, and security code are fake. I was also informed that I would lose my 10 % off. I applied and got my credit score lowered for months or year, only to find out that the bank scammed/tricked me into opening a credit card only to meet their quota. 

Congratulations, XXXX XXXX! 
Your application has been approved for the TJX Rewards Platinum Mastercard! 

TJX Rewards & reg ; Platinum XXXX & reg ; Temporary Account Number XXXX Valid Thru XX/XX/22 Security Code XXXX Temporary Credit Limit $ Use your new TJX Rewards credit card in-store or online today! 

See below for instructions and how to use your 10 % coupon either in-store or online. Both coupons void after either one is used. 
Shop Online Now! 

Use the account information above to make a purchase on tjmaxx.com.
Consumer complaint received 2022-03-13
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. (OH)

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 Capital XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX  2021 XXXX XXXXXXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 2021-05-13
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-11-27
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. (NC)

On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX ILLINOIS {$570.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX is reporting correct but ORIGINAL CREDITOR : COMMUNITY LOAN SERVICING LLC XXXX is not reporting correctly. I was protected in a covid forbearance in XXXX making my 3 `` trail payments '' in XXXX XXXX with my modification starting XX/XX/XXXX. COMMUNITY LOAN SERVICING LLC is reporting 180 days late for XXXX XXXX and XXXX DATES=, XXXX XX/XX/XXXXXXXX XXXX  : XXXX - this loan was transferred to XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit Management XXXX XXXX XXXX XXXX MI XXXX Midland Credit Management bought XXXX credit card accounts of mine. I contacted them in XX/XX/XXXX and even though my only income was unemployment I agreed to pay {$50.00} per month and they told me they wouldn't continue with a lawsuit. At this time I had a small claims against me from them for one account and they said to forget about it. I continued to pay until XX/XX/XXXX when I received a summons for the other XXXX accounts. I called Midland and they said they never stated that & refused to look up or send me the call recordings. They were very rude and wouldn't help me at all. At this time my unemployment ended, I had no income and inquired about their hardship program. I submitted all the documentation that was required in XX/XX/XXXX. Never had a response even though I called numerous times. I then contacted the attorney general 's office who emailed them for me. They responded that I didn't send anything and I had to have an approved social security claim for them to grant the hardship ( I have an application in review ). There was a court date of XX/XX/XXXX and I honestly forgot the date, called the court and they told me to call Midland 's lawyers to ask for continuance of agreement. I tried, you can call their internal legal department but not their lawyers. I was given an email and every time you send an email to them it comes back that I am not authorized to contact them. I had no way to speak to their lawyers. I was found in default. On XX/XX/XXXX I was sent a letter that via attorney general that I was approved for a 90 day hardship. But I needed to send complete documentation ( a list they sent ) have it notarized and send 4 copies of the exact same thing and also this is the same documentation I previously sent in XXXX. I called internal legal who couldn't help me and again gave me their lawyers email ( which came back not authorized ). I have spent hours, months, calling, writing to them and to the attorney general ( who now I am waiting for a response back ). I have no income, severe back problems and trying to do the right thing but Midland is so deceiving, rude and makes promises and then lies about it. They are horrible to deal with and every call they still ask you for money even when you tell them you have none. 
The attorney general has relayed information to their contact but hasn't been able to help me. I have documentation for everything if you need me to send it. Thank you for your help.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAVALRY INVESTMENTS, LLC (GA)

CAVALRY PORTFOLIO SE has been sending me collection notices in the amount of {$6200.00} XXXX XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (GA)

EASTERN ACCOUNT SYSTEM has been sending me collection notices in the amount of {$240.00} XX/XX/2021 The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Consumer complaint received 2019-08-07
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: HSBC NORTH AMERICA HOLDINGS INC. (MS)

Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (GA)

I contacted Equifax to ask that some soft inquiries be removed that were not authorized by me. I tried to explain to XXXX employee number XXXX that there are 16 soft inquiries on my credit report and most of them are not mine. XXXX XXXX informed me there are 0 inquiries on my report. Again and again I informed XXXX XXXX that I see 16 inquiries on my computer. Finally I told XXXX XXXX XXXX I want to speak to a supervisor. After some time XXXX Employee number XXXX got on the line. I explained to XXXX XXXX what was going on. XXXX XXXX was able to locate the 16 soft inquiries. XXXX XXXX informed me that the inquiries are promotional inquiries. I tried to explain to XXXX XXXX as I tried to Explain to XXXX XXXX that most of the inquiries are not my inquiries and I want them ( meaning the ones that are not my inquiries ) removed. XXXX XXXX informed me that there is no way to remove the inquiries. I asked to speak to some one who could. XXXX XXXX informed me that there is no one who can remove the inquiries. I asked XXXX XXXX if I go to apply for credit to an auto dealer or bank or get a mortgage if the soft inquires will have any effect. XXXX informed me no. I informed XXXX XXXX that when companies see the inquiries even soft inquiries the creditor will say ; " I see you have alot of inquiries. ( I know through experience this on many occasions
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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