davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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 received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the Equifax reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (TX)

I have previously submitted a XXXX  Complaint to XXXX XXXX XXXX XXXX XXXX back a few years ago for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to Elevate Recoveries. 

I explained the situation to XXXX years and they left me alone. Now 2-3 years later, I now have Elevate harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous Elevate associates and asked repeatedly if this issue was on my credit. They said no. 

I have at least requested that Elevate provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. They have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. 

Elevate Recoveries is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested on previous calls with your company. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and Equifax about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.
Consumer complaint received 2022-07-30
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. (FL)

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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX 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 2022-07-30
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. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXXXXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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: Self Financial Inc. (TX)

I HAVE NEW AND UPDATED INFORMATION TO ADDRESS THIS COMPLAINT. THIS IS NOT A DUPLICATE COMPLAINT. 

In response to CFPB complaint case number XXXX, SELF FINANCIAL, INC. attached statements claiming that I have been late in making payments as of XX/XX/2020 through XX/XX/2020. These computerized statements have been modified and are false and misleading. The law is very clear when it states that billing statements must be authenticated if given as evidence. Unauthenticated computerized copies of billing statements does not validate any billing errors. In CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that I was only late on XX/XX/2020, XX/XX/2020, and XX/XX/2020. By this response, along with a copy of my credit report showing the inaccuracies from XXXX, XXXX, and XXXX that's attached to this complaint, is proof that SELF FINANCIAL, INC. is indulging in unlawful extortionate means with forethought and malice to continue bringing harm to me and my financial reputation. I'm well aware that the information provided in my consumer report must report with maximum accuracy pursuant to 15 USC 1681e ( b ) and the copy of my credit report that's attached does not show that. I have even provided SELF FINANCIAL, INC. their statement, in CFPB complaint case number XXXX, that they've provided to me that they claimed to have sent to the credit reporting agencies for a deletion of all late payments and it still remains on my consumer report.
Consumer complaint received 2022-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

I made a payment online and received a payment confirmation email on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Then noticed a few days later I started getting late notices ... .I tried emailing them but their email returned invalid. I checked online and saw that they doubled my pay as well as added a late fee. It went from XXXX to XXXX and added another XXXX equal {$160.00} I need for them to accept the payment that I already made as well as remove any late pay that they would attempt to report to the bureau. This is predatory because they know I'm trying to get into an income based payment plan and their policy requires that you have 12 consecutive on time payments to qualify. This is predatory.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My checking account and debit card were used without my permission. XXXX XXXX XXXX  XXXX, my phone and cards were taken away from me. Someone proceeded to use my digital wallet and card. I reported the unauthorized use to the card company and they provided temporary credits. The company took the credit away even though I reported to the company that I didnt have access to my account or card because it was stolen. When I got access to my account I noticed the charges and immediately reported them. I couldnt go anywhere I was XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Global Credit Union (AK)

I have banked with XXXX XXXX for many years and have been going through ID Theft, Data Breaches, Cyber crime and am being tormented to this day and it started in 2019 if not earlier without my knowledge. My bank has told me they would not issue me another debit/credit card if this one is changed again because of reporting transactions that are not mine/fraudulent. My visa was taken out of my hand by a gentleman behind the desk and said they would not issue me another visa. I had gone down to XXXX to visit my 'sdaughter and went to the headquarters and they issued me another one without question. The bank has begun to treat me like i am the criminal. And now i am penniless because i am afraid to report my desputes that are clearly not my transactions, in fact have another person 's name from a XXXX and they refused to dispute it because i said i did not know that person, it was initials only and then i realized that may be my daughter and the bank now will not dispute my disputes. They told me because of IDentity Theft that i can't use the online banking and that made it hard becasue i had to go in every two weeks to get statements and now my visa has gone over the limit because i have NEVER gotten a statement from the bank so i dont know what is going on with my visa and i talked to a gentleman named XXXX at the XXXX and he admitted it had been the banks fault for not sending me statements when all i have been doing is paying on it and paying and now it is over the limit and i have not really used the card. I have a credit line there as well and since i have no money i have been using that to live on and the interest is so high i can't get ahead and don't know what to do and the bank is just making it worse by treating me like a criminal. They say " you have been diputing on my checking account for years and that is correct and they have given me the credits every time except now they wont help me at all. With the intimidation i have quit disputing. And now i am under, my credit has taken a hit and there are other credit cards created in my name that are not mine. Please help me it has all ruined a 25 year relationship and i have minimal income from SSD and have to relocate at the age of XXXX and i dont know how i am going to live or how i will survive. If you have any help please let me know as soon as possible My name is XXXX XXXX, XXXX XXXX XXXX XXXX, Alaska XXXX XXXX email : XXXX Thank you very much and i am not sure i explained everything. I need to mention that i have been reporting the ID Theft and cyber crime to the XXXX XXXX, the FTC, XXXX, and the XXXX to no avail. I have been hung up on by the FBI twice and i can't handle the people who now control my devices. I know it sounds crazy but its been a long XXXX XXXX and can't take it anymore. Some people dont ' even believe me and think all of a sudden i have lost my mind, but i know what i know, it deal with torment o
Consumer complaint received 2022-07-30
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)

In accordance with Fair Credit Reporting Act XXXX  Acccount # 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 2022-01-04
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. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 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. 

Its hurting my Confidence and i am the natural person.
Consumer complaint received 2022-06-09
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: ENCORE CAPITAL GROUP INC. (FL)

I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX, XXXX tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (LA)

Commencing on or about Back in XX/XX/2021, I had a sale on XXXX to go through to Coinbase and the XXXX is gone which is equivalent to XXXX USD, however, and unfortunately, Coinbase claims that the assets never arrived at my Coinbase account, which is completely lying.
Consumer complaint received 2022-04-14
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help