davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (IL)

XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XXXX ) I sent a letter regarding inaccurate XXXX  payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Solutions, Inc. (SC)

I sent Receivable Solutions letter within 30 days disputing this debt and they still reported to all XXXX credit bureaus after I sent letter. Also, I wanted them provide proof that they have been given right to collect the debt by the original creditor. Per FCRA, if all these accounts are not deleted with all XXXX credit bureaus I have no choice but to pursue legal action and file a lawsuit!
Consumer complaint received 2016-09-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (SC)

I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed from my credit report.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FactorTrust, Inc. (NV)

Factor Trust Credit Report Agency, XXXX XXXX, XXXX, GA XXXX, had release FALSE information to XXXX potential lenders companies ; consequently, my application for a loan were denied. Factor Trust stated I am employed by XXXX, unknown to me. Also, Factor Trust released FALSE information obtained from XXXX which contains FALSE information including address and phone numbers, and information that are more than 7 years old and not longer are required to be released to others because of the Statue of Limitations. I have faxed all these FALSE information directly to Factor Trust for a prompt remedy since Factor Trust had injured my rights to obtain credit. Other False information released by Factor Trust is from XXXX XXXX XXXX XXXX which are inaccurate. As long Factor Trust continues releasing FAlse information regarding my credit, I believe, FIRMLY, that Factor Trust SHOULD NOT be permitted to conduct this type of business.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine.
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. 
I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws.

Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. 
The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting.

The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue.

Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. 
Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I am writing to file a formal complaint against National Credit Systems for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by National Credit Systems, and I am revoking all rights for them to communicate with me via email, text, and phone calls.

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, National Credit Systems has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with National Credit Systems, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. National Credit Systems has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. National Credit Systems ' failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by National Credit Systems. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that National Credit Systems provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. 

Purchase Agreement : I request that National Credit Systems furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe. 

Proof of Licensing and Bonding : I request that National Credit Systems provide proof that they are licensed and bonded as required by law to engage in debt collection activities. I expect National Credit Systems to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Consumer complaint received 2022-09-04
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. (TX)

I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

They are very good. They somehow had multiple numbers. Had my kids and their phone numbers and names. 

They said they were XXXX  but they did not give their full company name. 

Just XXXX. 

Their number was XXXX They said I owed XXXX loans that I never opened.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2020-10-18
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. (NC)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (NC)

My card is this transaction is with the company called Current whos issuing bank is XXXX XXXX XXXX. I am still trying to resolve a gas station hold of {$75.00} since XX/XX/2021. I did not even make a transaction at the pump and they still held my funds. When I try reaching out to them they only have a chat support. They do have a phone number but you can never speak to anyone, you have to leave a message.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.
Consumer complaint received 2020-10-18
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. (NC)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-05-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (KS)

I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-10-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harpeth Financial Services, LLC (TN)

I was involved in a accident which created a hard ship we are trying to pay on this thru a debt consoliation and sometimes have to skip or extend the payment but the advance financial company keeps calling creating us more stress than we already have, can they be contacted about this we are doing our best.
Consumer complaint received 2016-06-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.
Consumer complaint received 2022-09-04
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (TX)

Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Linebarger Goggan Blair & Sampson LLP (IL)

COLLECTOR FAILED TO SEND VALIDATION LETTER ALONG WITH INFLATED FEES AND IS COLLECTIONG WRONG AMOUNT. THERE IS A TAX LIEN ON MY PROPERTY IN THE AMOUNT OF {$800.00} AND A APY OFF OF XXXX, WITH WILL BE PAY ON XXXX/XXXX/2016 VIA HUD-1 CLOSING STATEMENT SOLD HOUSE ETC..