davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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)

Dear XXXX XXXX XXXX, XXXX  & Equifax : Thank you for sending me your internal records of the debt XXXX XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-06-02
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. (NC)

On XX/XX/2019 I received my return certified mail receipt back through the mail. XXXX and Transuion did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that XXXX and TransUnion under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (GA)

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} In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (TX)

i purchased the " reload '' pack and verified the amount the day of purchase. 
I called to validate the amount loaded onto the card the next day and was told there was a XXXX balance. 
I was a victim of fraud and the company claims to not be responsible.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MD)

I have several accounts at TD Bank and frequently use their online banking service to transfer money between them that are immediately credited to the receiving account, with ONE exception. 

When I transfer money from a checking account to pay the credit card account, the money is deducted immediately from the sending account and not credited on the receiving credit card account until several days later. 

Recently I began traveling to a TD Bank branch and withdrawing the funds from my checking account then paying the cash directly to my credit card. That worked only for one month, the next month the Teller entered the wrong code for my cash credit card payment and I again had to spend hours on the telephone getting the paid amount posted to my credit card. This month, I am sick in bed and unable to visit a branch which I probably should not be doing anyway given the current pandemic. Again, I did an online transfer, received a receipt saying the transfer was successful and have been told I have to wait 1-2 business days for the payment to be posted to my credit card. Anything that can be done to address this problem will be greatly appreciated.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Steven A. Booska (CA)

I received a communication from the Law Office of Steven A. Booska dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than XXXX miles away from my place of residence. This account does not belong to me.
Consumer complaint received 2017-09-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C & E Financial Group, Inc. (ID)

My complaint is about an advertisement that a client of mine received from C & E Financial Group Inc. They are quoting him a VA IRRRL for a 30 year fixed rate with a rate of 2.75 % and an APR of 3.09 %. Anyone in the mortgage business knows this is a classic bait and switch tactic. There have been no institutions offering an APR this low for years on a VA IRRRL. To a lesser degree, they are also waiving his escrow refund as a benefit back to him when they are going to increase his loan amount to cover a new escrow account. They are showing an estimated escrow refund of {$2600.00}. The annual taxes are under {$1300.00} per year and the insurance is less than {$600.00}.
Consumer complaint received 2019-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (FL)

Ingo check cashing banned me for no valid reason whatsoever.. I believe they are a scam and try to harvest consumers information as I don't know Anyone who has successfully cashed a check with Ingo.. After the banned me I contacted the company several times to get an answer as to why I was banned to no avail usually without any response ... They don't live up to what services they are supposed to be offering ...
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX amount of XXXX XXXXXXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX amount of XXXX XXXX XXXX amount of XXXX In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (PA)

I disputed this account with Aargon last month and I have received nothing from them at all. this is a violation of the FDCPA and FCRA. They have to send me information if I request it as they are reporting on MY CREDIT. PLEASE HELP ME!
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2019-05-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

XXXX XXXX IQ data international debt collector XXXX Washington XXXX Called at XXXX I was at worked asked to call back at 1 they did. Stated I owed XXXX in damages from apt XXXX XXXX XXXX an XXXX XXXX property. I emailed them they did verify they sent them a debt collection. I think owned by same people. 

They said they if I didnt get a 16 digit credit card and pay by XXXX XXXX   tomorrow they would send my credit to the credit bureaus and hurt my credit. I asked them to send that in writing. They said they would email. I said ok they still havent. I want to pay in protest because I cant review claims and I feel its a type of scam to pay only by credit card. 

Please help
Consumer complaint received 2022-04-08
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXXXXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. V lid i f d d Mi i Mi di d S i 807 ( 1 ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( 1 ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXXXXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX was financed by Wells Fargo Bank. Vehicle was Repossessed in XXXX as a XXXX XXXX. XXXX was sold at the auction and deficiency balance of $ XXXX was charge off/ written off as a bad debt. This remained on my credit report for 7 years until the credit reporting agencies removed the debt from my credit report. Just recently I received a notice from the IRS that Wells Fargo Bank reported my debt to them via a 1099C form showing they forgave the debt. Wells Fargo Bank did something illegal and they committed fraud against me. I never received the 1099C form, and if I had I would have disputed this because they reported to the IRS that the debt was charged off in XXXX. They are being dishonest and very deceitful for what they are trying to do to consumers. The debt was a auto repo in XXXX. Vehicle was charged off /written off in XXXX and placed on my credit report for 7 plus years. If they were going to forgive the debt why did they not forgive it in XXXX when it was written off. And why wait until after the 7 plus years to report it for year XXXX after it was removed from my credit report. I am willing to fight this legally, my law firm is XXXX XXXX XXXX, they also are willing to assist me with fighting this. I spoke to the IRS and they want me to get proof of the debt being repossessed and charged off in XXXX. I am going to start a class action law suit against Wells Fargo Bank for practicing illegal actions against consumers such as this one. I need documents showing when my loan was repossessed and documents showing when the loan was charged off/written off by Wells Fargo Bank. I have every intention of taking legal action against them
Consumer complaint received 2022-04-08
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. (WA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2020-11-16
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. (GA)

I have submitted these accounts to Experian and XXXX for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. Transunion has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXl acc # XXXX