davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 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 2024-10-25
Product: Credit reporting 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. (DE)

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-09-19
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: LEXISNEXIS (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ XXXX, Equifax, and XXXX XXXX ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for XXXX year. i decided to purchase my first set of credit report from XXXX that got sick to my stomach to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got two credit cards from BANK OF AMERICA, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Consumer complaint received 2019-05-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,
Consumer complaint received 2024-10-25
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. (NY)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

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.

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 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 informationisinaccurate.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other Last Names : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX and XXXX reports XXXX XX/XX/XXXX : Collection account from XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as delete the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
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. (VA)

XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & Experian Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/XXXX I opened an investment account with Robinhood, having succumbed to the allure of quick money in securities trading. I made a couple of initial deposits mainly at the suggestion of Robinhood " experts '' encouraging me to " diversify '' my portfolio. As a result of these seemingly random withdrawals, my bank flagged 2 of them and reversed the transactions because of fraud filters. When those 2 transactions were reversed, Robinhood froze and closed my account, while maintaining the original {$2000.00} I deposited. I have exchanged numerous phone calls, emails and messages with them in an attempt to regain ownership of my money but have been met with insults, postponments, bizarre requests for naturalization certificates ( I was born in the US, I've never even seen a naturalization certificate ) and what has amounted to a revolving door of the same 3 requests of document submission ; Front and back of ID ( which they approve ) followed by additional request of address ( which they approve ) followed by further verification in the form of naturalization certificates, original social security card ( issued in XXXX ... ) and then a reset to the original request for the front and back of an ID, only changing the method in which I am supposed to submit it to them ( secure portal, via email, in .pdf format, in .png format etc, etc ). This original {$2000.00} deposit was invested in cryptocurrencies and since I still have login access, I have watched that investment peak at around {$2100.00} and fall down to its current value of {$1900.00}. The money is clearly staying being handled by Robinhood and they ignore me when I request their SEC license information or broker license and I recorded one of their employees inform me that I was " too insignificant '' to pay any attention to and that they had the authority to " repossess '' my original {$2000.00} deposit at their will, information never disclosed to me when opening the account. It is now a month later, and the most recent exchange I've had is with a new agent who initially requested account documents for my bank account ( which I provided and were accepted ) and followed it up with a new request for identification documents ( through a brand new secure portal ) which I also provided but am sick of playing their game. It's jaw droppingly stunning when I read and hear so many people upset with the current national tone and level of discourse, but experience the harsh reality governing our country, that " we the people, '' don't amount to a " hill of beans in this crazy world. '' Stop me if you've heard this story recently, but the same institutions meant to be the vanguards of the public good have turned into the instruments of corruption and greed, abusing the right conferred upon them by their net worth, societal status to step all over the " little guy. ''
Consumer complaint received 2019-08-26
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: BB&T CORPORATION (VA)

Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the  XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
Consumer complaint received 2019-08-26
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. (GA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2019-08-26
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX  There are also inquiries that need to be removed as well : 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 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
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

In XX/XX/XXXX, I wrote a cease of communication letter to Midland Credit Management requesting that ALL communication be ceased with me, due to harassing letters and phone calls received by them. Midland Credit Management is continuing to send me letters in the mail, which are sent back returned. I am a XXXX veteran with XXXX and XXXX, due to being stationed at the XXXX during XX/XX/XXXX and Midland Credit Management continues to inflict XXXX XXXX on me by continuing to contact me and ignoring my cease of communication letter from XX/XX/XXXX. They are violating my rights under the Fair Debt Credit Protection Act. A copy of this complaint is being sent to the state Attorney Generals Office.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.

I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX. 

Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.