davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc. (CA)

I am writing to file a formal complaint against Sentry Credit Inc for multiple violations of federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Telephone Consumer Protection Act ( TCPA ). These violations have occurred in the context of their attempts to contact me regarding an alleged debt without any documented contractual agreement between myself and Sentry Credit Inc.

Failure to Furnish a Contract under the FCRA : Sentry Credit Inc has not provided any contractual documentation directly between their company and myself, as the consumer, which is a direct violation of the FCRA. Under Section 609 ( a ) ( 1 ) of the FCRA, consumers have the right to request and receive information pertaining to the existence of any contract that binds them to a debt. Despite my repeated requests, Sentry Credit Inc has failed to furnish any such documentation.

Violation of the FCRA : Sentry Credit Inc has also failed to comply with the FCRA in their reporting practices. They have continued to report alleged debt information to consumer reporting agencies without providing the necessary validation of the debt, which is a clear violation of Section 623 of the FCRA. The inaccurate and unverified reporting has had a detrimental impact on my credit score and financial well-being.

TCPA Violations : Sentry Credit Inc has called my personal cell phone on two separate occasions, despite my number being registered on the Federal National Do Not Call List since XX/XX/2009. This action directly violates the TCPA, which protects consumers from unwanted calls made by third parties without obtaining prior express written consent. Sentry Credit Inc has failed to obtain any such consent before contacting me, demonstrating a blatant disregard for the law. 

Illegal Telemarketing Practices : In both instances, Sentry Credit Inc engaged in what can only be described as illegal telemarketing practices. These actions not only violate the TCPA but also show a complete lack of respect for consumer rights and privacy.

I have made several attempts to resolve these issues directly with Sentry Credit Inc, but their failure to respond or address these concerns has left me with no other option but to file this formal complaint with your agency. I kindly request that the Consumer Financial Protection Bureau investigates these violations thoroughly and takes appropriate action to ensure that Sentry Credit Inc is held accountable for their actions.

Please let me know if any additional information or documentation is required to support this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-17
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. (MI)

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with Experian, XXXX, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

Please see day of incident discovery i went online ( i don't use an online account... somebody else created a XXXX online account with my information ). 
The account is not dispute. 
It's the fact someone hacked my XXXX account, used my stolen information from my stolen wallet. They used my XXXX and created an online account. 
Purchases were resolved by Target. 
But the XXXX payments made XX/XX/XXXX and XXXX by the thief are not mine, {$4900.00} And not resolved. 
See attached discovery of CASH payments which Target still claim i made. My bank never paid out nor returned any {$4900.00} amounts. Someone else made these. Not me. 
See attached 'last balance {$4700.00} ' on XX/XX/2023. 

Their letters said different and contradictory information. One that my payment was returned. One that they made a mistake. 
But months later stating i made these and they were returned. Not true. 
Why can't CFPB justifiably question and investigate what happened to these XXXX payments. Where did it go? Isn't it a serious crime to steal company money? And For all i know maybe someone wanted to pay my account. 
Can CASH payments be returned?
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2024 I went into XXXX XXXX XXXX on XXXX XXXX XXXX and wanted to purchase a truck for {$80000.00} and the company took my social security number without my consent and opened a loan in my name without my consent and then denied me credit. Ally Bank is the Bank thsts refused to approve my application for a XXXX XXXX XXXX  XXXX fully loaded for {$100000.00} us dollars. I lost business as a result of their denial and am currently suffering from not having a new truck to conduct business.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (NM)

In XXXX, I closed my XXXX XXXX credit card XXXX With XXXX balance. 

Four years later, I found out through XXXXXXXX XXXX monitoring that the above account was open and late by several payments. 

I immediately contacted XXXX XXXX XXXX They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXX, FL. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXX, FL. 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by XXXX Now XXXX four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : Hayt, Hayt & Landau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX I never owed any money to XXXX XXXX I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.
Consumer complaint received 2024-02-21
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX 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.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing this to explain the sequence of events and my discovery that capital one had closed ( XXXX ) of my credit card accounts without notice or consideration. Ultimately, without notice, I am unsure of the date ( XXXX ) the accounts were closed. 
I know Im just a number to them but also an RN who works in the emergency Department and did contract covid in XX/XX/XXXX. Unfortunately, even though I am vaccinated, my symptoms were/are long-standing. As a result, my income was minimum as the state of Illinois only pays you for 5 days ( XXXX hours ) due to new laws. This was a hardship for me as I was unable to pay many of my bills. Recurrent charges were attempting processes, there were ( XXXX ) returned payments for my XXXX and platinum card in a 1 month period. This has never occurred. I have been with capital one for approximately 4-5 years accumulating more relationships in other branches, accumulating more cards, and increased credit ( without request ). The Capital one auto finance reached out to me as they were concerned about my payments as this has not been my regular habits. At that time they were updated that I did have XXXX and worked with me by pushing one of my car payments back. I telephoned the credit card customer service line ( XX/XX/XXXX ) to communicate preceding events as well as let them know that I value my relationship with them and am back to work as evidenced by my recent payments. Id spoken with two people to explain dates, challenges, obstacles, as well as the fact that I almost died and the last person I spoke with let me know that there was nothing that Capital one nor I could do because the accounts were permanently closed. I am experiencing the harshest punishment without warning or consideration after being a faithful customer.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: SYNCHRONY FINANCIAL (FL)

Pursuant to 15 U.S.C 1681 SYNCB/PAYPAL is in violation of my consumer rights for unlawfully obtaining my XXXX consumer report on XXXXXXXX without my authorization or permissible purpose under the FCRA provides.A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with SYNCB/PAYPAL Further , I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SYNCB/PAYPAL for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 

For the sake of judicial economy. I am willing to settle this matter without any admitted liability. I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with these demands. Upon timely receipt of {$1000.00} payment. This letter shall be a general release of all claims herein.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (VA)

I ask for supporting documents about my debt collection and could not provide it. My call was passed to different staff members and staff members could not give me answers. I call on XXXX XX/XX/2021, debt amount {$2000.00}, The company name is AMSHER COLLECTION SERV, telephone number : XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GU)

Earlier this month I checked my annual credit report and noticed a credit card account with XXXX XXXX  XXXX  was charged-off. I filed a dispute with equifax and the investigation came back as accurate and stated that the account belongs to me. I wrote on the dispute that back in XX/XX/2016 I was on XXXX XXXX and was stationed overseas during the time that the account was opened.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shock to learn I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove this fraudulent account off my credit report as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is, and I am writing to bring to your attention fraudulent information on my credit reports. 

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

1st you need to Update my personal Information and Remove Fraudulent Addresses : XXXX  XXXX XXXX {$56000.00} opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$53000.00} XXXX opened XX/XX/XXXX {$60000.00} XXXX XXXXXXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX  XXXX opened XX/XX/XXXX {$36000.00} XXXX  Opened XX/XX/XXXX {$50000.00} XXXX XXXX opened XX/XX/XXXX {$95000.00} XXXX XXXX opened XX/XX/XXXX {$960.00} XXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX XXXX opened XX/XX/XXXX {$35000.00} FCRA 15 USC 1681a 2Ai. 
( 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 the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several 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 an alleged fraud or extortion. 
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  Balance : {$0.00}
Consumer complaint received 2022-01-07
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. (FL)

I am filing a complaint again with the CFPB against the XXXX credit bureaus for this account XXXX XXXX XXXX {$18000.00} Account number XXXX. I have been trying since XX/XX/2021 to resolve this issue and have not received answers in the form of FACTS. All I received is " Factual or updated ''. I have asked for full validation of this account under FCRA and fair credit and billing act. I want to know who they have spoken with and if the company has a right to collect. First off the account was reported in collection and now its not and moved to somewhere else without any explanation from all XXXX credit bureaus. By law I deserved some answers. I know the credit bureaus do not conduct any type of investigation Instead they go to 3rd party vendors to purchase the information. I want to know who they have purchased this from? If they are not willing to conduct proper investigation, please remove. I have never been late and my child is an adult now. The XXXX bureaus have reported incorrectly which prevented me to purchase a home. This is not right.