davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
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. (TX)

Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (IL)

On XX/XX/XXXX, i received a threatening call from a company called XXXX   XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX  loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : XXXX.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

A few months ago I pulled my credit and notice XXXX XXXXXXXX XXXX is reporting a balance of {$690.00}. I've sent out letters to this company asking to verify this debt because I have insurance that covers my visits and know I should never have a bill this much. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital/dr office agreement with my signature. I have not received anything but a print out of a balance they claim I owe. My file always tend to get mixed with my sibling file a lot at the the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Consumer complaint received 2018-05-10
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 setup XXXX internet for my apartment XX/XX/XXXX and XXXX XXXX pulled two hard pull credit reports on me, ( XX/XX/XXXX and XX/XX/XXXX ). 

I submitted to Equifax online for them to fix it. They never did do anything. I called them several times, they said it is XXXX XXXX problem. I called XXXX several times, and they also said it is Equifax 's problem. However, I somehow got hold of one lady at XXXX, XXXX XXXX, her number, XXXX ext XXXX. She said she submitted to Equifax to remove the report. It had been over two months, and Equifax still does not want to do anything.
Consumer complaint received 2017-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc (MD)

I lived at a location XXXX XXXX XXXX and moved the place i was renting from kept my security deposit because i broke my lease a month early. I checked my credit a few months ago and seen i owed a debt of {$680.00} for rent and I called to clear it up and got no response on the issue. So I recently checked my credit report on XX/XX/18 and seen that i still owe this amount when i was never notified by the landlord or his staff i owed any remaining rent balance or a judgement from the court. The original creditor is XXXX XXXX where i rented from. The collection agency is XXXX XXXX XXXX i contacted both yesterday and got no feed back.
Consumer complaint received 2021-11-29
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigationXXXX  and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-07-11
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. (FL)

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 an account without my written instructions
Consumer complaint received 2022-02-17
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: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ally financial XX/XX/XXXX wish automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX first premier bank ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the investigation.
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. XXXX  Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.
Consumer complaint received 2017-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.
Consumer complaint received 2023-03-20
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. (VA)

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, 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.
Consumer complaint received 2022-07-11
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. (FL)

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 an account without my written instructions
Consumer complaint received 2022-03-12
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. (MN)

I have sent Equifax 2 Federal Trade Commission Identity Theft Reports for the following fraudulent account and XXXX credit inquiries that is not my account or credit inquiries : XXXX XXXX, account number # : XXXX, opened : XX/XX/XXXX, balance : {$6900.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The XXXX XXXX account and the XXXX credit inquiries are all fraudulent and unauthorized, and not my account or credit inquiries.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation.

This amount has been paid, as agreed.

The credit card company bank Synchrony, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that Synchrony must update my credit file, Synchrony sends me back to the credit agency stating that at some point they will send payment confirmation and update my file.

Both, Synchrony Bank and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file.

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved.

Synchrony Bank does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.
Consumer complaint received 2018-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score
Consumer complaint received 2023-03-20
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. (WI)

After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. TransUnion reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, XXXX reports no charge off for XX/XX/XXXX Account Type is inaccurate.TransUnion reports XXXX Account, XXXX reports XXXX XXXX, XXXX reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. TransUnion reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX XXXXXXXX XXXX  # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (FL)

There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (DC)

Hello, I am requesting information as to why Navy Federal Credit Unions Zero Liability policy is being disregarded here. I have attached information regarding the failure of NFCU to provisionally credit my account during the investigation of two transactions during which both merchants are contractually obligated to provide me with refunds for services I could not use and did not receive. Please advise regarding next steps. 

Best, XXXX XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (IN)

I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.