davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (AR)

In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXXXXXX XXXX. The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXXXXXX XXXX. I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXXXXXX XXXX in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXXXXXX XXXX to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the District Manager XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher balance.. Im not trying to make excuses but around that same time my mother was diagnosed with XXXX XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of my finance background wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..
Consumer complaint received 2023-05-03
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX. account XXXX XXXX, 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 instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in inaccurate
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I became delinquent with a XXXX XXXX XXXX account XXXX XXXX ; my last payment to them was XX/XX/XXXX. XXXX XXXX cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with Experian and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted XXXX XXXX XXXX  multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, Recently my credit was score with Equifax was reduced by a significant amount this month. I called Equifax to see why this happened and they could not explain why. They said I had nothing on my credit report that would reduce my credit score, such as no negative impacts or anything outstanding. I asked for an explanation then to why this happened for " no reason '' and how that could possibly be legal to just reduce my score and he had no answer. His response what that I could file a dispute but there was nothing to dispute since there was nothing negatively impacting my credit. Then he said to get a credit counselor and maybe they could help. So basically my credit score went down for no apparent reason and no justification.
Consumer complaint received 2023-05-03
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. (OH)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 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 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.

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 2023-05-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX XXXXXXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but six month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Experian Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a Capital One credit card in the mail. I did not apply for the card it came without my knowledge of its existence. I have tried 4 different times to cancel the card with Capital one and they refuse to cancel the card and even refuse to transfer me to a supervisor.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, ACCT XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00} , ACCT XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} 'Inquiry : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-05-03
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. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-03
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. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2017-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EZCORP, INC. (CO)

I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AZ)

I received loan application with my information on it without my consent. I have no applied for any loans/credit cards or anything credit since XXXX XX/XX/2020 when I consolidated with National debt relief. Please remove these from my credit reports.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, I received a check for {$7200.00} from what I thought was an employer who had hired me to work from home in response to a job opening listed on Indeed.com The check was to be used to purchase equipment needed to perform the work. I deposited the check in my checking account at JPMorgan Chase at the XXXX, NJ, office before XXXX XXXX  on XX/XX/2023. The cashier told me the funds would be available the next day. The next day, XX/XX/2023, the funds appeared in my online checking account as " available. '' I proceeded to disburse the funds as directed by the supposed employer through XXXX, XXXX, and XXXX, supposedly to vendors used by the employer, to be used for equipment and software needed to work at home. I next checked my checking account online on Tuesday, XX/XX/2023, and found the account overdrawn by {$6800.00} because the check had not been honored by the bank on which it was drawn. I was unable to contact the supplier of the check. In conversation with the Chase banking and security personnel, I was told that this was an old scam, called " the work scam. '' The scammers have found a flaw in the banking procedures and are taking advantage of the flaw. That flaw should be fixed.
Consumer complaint received 2023-05-03
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. (AR)

XXXX XXXX AND TRANSUNION ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was reviewing my Experian credit report, the personal info section and noticed a phone number thats no mine on my report. I called Experian to see how phone number get added and was told by the person themselves or by a creditor. I disputed the number is not mine but wanted to know which creditor added the number to help narrow done if a credit account has been opened in my name that Im not aware of. Unfortunately Experian said they dont have that information to provide me. This baffles me that they will allow a creditor to add information to MY credit report without the information being verified and theres no way they can tell me which creditor added the information. So now Ill have to wait 5 months for whoever is using my SSN for the account to go to collections and try to figure who is using my info. I have Experian XXXX XXXX but wasnt notified that a new phone number was added to my account. I called the number and the number is active.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (WA)

I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : XXXX
Consumer complaint received 2023-05-03
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)

I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and Experian, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.