davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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. (GA)

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/year> you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (NM)

Experian refuses to remove two accounts that are past the statute of limitations for residents of California. XX/XX/XXXXXXXX mortgage loan, XXXX XXXX XXXX loan and XXXX XXXX credit card. Both are beyond four years old. One dispute result was never revealed to me as they will not provide it in writing or online, and I can not get through on the phone. All my other reports show three open accounts and the other accounts have been removed. Experian refuses to update my credit report with correct information.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (FL)

On XX/XX/18, XXXX XXXX XXXX tried to validate a debt I am disputing ownership of by sending me a copy of a contract. I do not agree with and have reason to believe I do not owe this debt because the contract provided has someone elses name and address on it. The contract says its with XXXX not Exeter and I have never owned the vehicles listed on the contract.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2021 a credit card for {$430.00} was put in my name without my permission. The company attempted to collect debt, I informed the company that, I was unsure of who put the credit card in my name.
Consumer complaint received 2024-03-02
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. (SC)

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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. 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.
Consumer complaint received 2022-05-02
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: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (GA)

On XX/XX/2021 I received a letter from XXXX and XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by XXXXUpgrade Inc . 
This is causing me undue stress and sleepless nights!
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

Got a loan though Speedy Cash and while filling out the paperwork I was careful and deliberate as to not agree to an ACH or automated payments of any kind. Speedy Cash still proceeded to charge my debit card on XX/XX/2023 in the amount of {$100.00}. Once I notified them of this issue on XX/XX/2023 they told me that I would have to wait until the payment cleared until I would be able to ask for a refund. On XX/XX/2023 I received an email informing that the payment had cleared. XX/XX/2023 I called once again to the business relations department at Speedy Cash where I was told that I would not be eligible for a refund because it was a collections attempt which is supposedly different from a payment and that I agreed to allow them to collect payments. That is untrue because I read all of the paperwork and specifically denied any type of automatic payments. They proceeded to tell me that XXXX was only revoked after my call on XX/XX/XXXX which is untrue. They also refuse to allow me access to any loan documentation online and I can not receive any documents unless I formally ask for them to be mailed which I did today. Speedy Cash is full of con artists. Absolutely screenshot your loan documents as you sign because I have a feeling they will forge my electronic signature on to an XXXX agreement to make me seem at fault.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX. I am writing regarding my Citibank claim number XXXX. I have had my checking account number XXXX and savings account number XXXX at Citibank for over 18 years and have always been responsible in the way I manage my accounts. For as long as I can remember, I used the Citibank XXXX Ap on my phone as a way to conduct business with the bank. On XX/XX/XXXX, while at work, I noticed that the screen on my phone turned black and then my phone went dead. Later that evening I tried to see what was wrong with the phone when I noticed that the Citi XXXX Ap said my accounts had just a few dollars in them ( which was not possible because I had almost {$18000.00} in the savings account for over 2 years ). Upon further investigation, I learned that {$17000.00} was transferred from my savings account to my checking account and then wired to a person named XXXX XXXX at XXXX XXXXXXXX XXXX  XXXX to an account ending XXXX. Since I am the only person on the account, I did not send the wire and I do not know anyone by the name of XXXX XXXX I realized my phone had been hacked and someone stole my life savings. 
I immediately called Citibank and told them what had happened and asked them to please stop the wire transfer as it was not authorized by me. They stated that I need not worry and that the money would be back in my account within 5 days. After several weeks of not hearing anything or receiving the money, I called Citibank again and they said they could not do anything further until I filled out an unauthorized wire transfer form. I ran to the bank that day ( XX/XX/XXXX ) and completed the form ( attached ). I was then told that I could expect the money to be back in my account within 60 days. 
After waiting 3 months, I received the attached letter dated XX/XX/XXXX stating that Citibank would not be returning my stolen money because I did not take adequate steps to safeguard my account. I have had these FDIC insured accounts for almost 20 years and nothing like this has ever happened before, I did not lose the phone as it was always in my possession and the Mobile Ap/Accounts that were hacked are managed by Citibank so how can they say I was the one who did not safeguard the account? I feel that I am a victim that is being treated like a criminal. I am a hard-working, honest, single woman with a son that happens to be a minority. I have been unjustly put in a situation by Citibank where I have had to borrow money from family in order to pay my bills and feed my son. I work very hard for my money and sincerely would never do anything to jeopardize my account. Loss of this money has really put me in a horrible financial bind and I did nothing wrong to deserve this treatment from Citibank. As a result, I respectfully ask that you please intervene on my behalf and work with Citibank to return the {$17000.00} that was stolen from my FDIC insured savings account.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My current first loan with XXXX XXXX is in prcoess for a refinance. The second loan is held by Suntrust/Truist . The only document holding up my refinance with XXXX XXXX from a 30 year loan to a 15 year loan is a subordination letter from Suntrust/Trust . The closing angecy ( XXXX XXXX XXXX ) and I have been trying since XX/XX/2021 to get the letter issued so that the refinance can be completed. Both parties, XXXX and I have made numerous calls and e-mails with no success. Suntrust/Truist has stated that they have received the formal document for request of a subordination letter, but still no results. 

I am now at the point that I will lose my locked in rate with XXXX XXXX and not be able to close on my refincance loan. This is the last item needed in order to close. I started the refinance process back on XX/XX/2021. Any help would be greatly appreciated to get this letter issued so that I can close on my new loan. Thank you.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ENCORE CAPITAL GROUP INC. (GA)

The company Midland Funding LLC company XX/XX/XXXX put a hold on my account for the amount of {$1400.00} From a credit card from XXXX XXXX back XXXX or XXXX I cant remember I never opened an account with XXXX XXXX I was told to file this report with you and to file a police report ASAP I will be doing that in the morning
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

Discover Card contacted me on XX/XX/2020 to inform me they needed to obtain my tax returns along with other personal info to verify my information, they would not tell me why. I called them back and all they said was just sign the release with XXXX IRS form 4506-T. I refused and closed both of my accounts because if i had not they were going to close my accounts instead. I feel like this is unfair practices against me.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX (XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) EQUIFAX - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX) XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX ( XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX, 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
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOV ASSOC {$680.00} Balance updated XXXX XXXX, 2022 PORTFOLIO RECOV ASSOC {$1600.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Consumer complaint received 2022-05-02
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. (DE)

Hard Inquiry from XXXXXXXX XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXXXXXX XXXX  on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt
Consumer complaint received 2022-05-02
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. (MI)

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 XXXX XXXX XXXX. 
XXXX  XXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!
Consumer complaint received 2022-05-02
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. (MI)

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 XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.