davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-12-08
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { Creditor Name } XXXX XXXX XXXX XXXX XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX  XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (MO)

Experian again closes another complaint without addressing the issue and once again give an XXXX explanation that has absolutely nothing to do with the problem which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

It is my consumer right to be granted credit I can not be discriminated against without recourse I also was not given a specific reason which they stated in the letter given to me that they couldn't specify my reason they just gave me a list of reasons why I'm considering going into arbitration process if this decision is not reversed and my rights are acknowledged.
Consumer complaint received 2024-10-31
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. (TX)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2023-12-07
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. (FL)

I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
Consumer complaint received 2023-12-08
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TekCollect Inc. (FL)

YEARS ago, I ordered from XXXX XXXX XXXX, in early XX/XX/year> to get the blinds for my home for the XXXX. Holidays. I paid Half down for very expensive blinds. Weeks went by and by early XXXX I was emailing and calling- where are my blinds? NO ONE answered me, despite repeated contact on my end. I really thought they went out of business. FINALLY in XXXX of the next year, they wanted to deliver my blinds. No one could come until XXXX. My home was missing blinds for MONTHS. They finally came and 1/3 blinds was WRONG. The installer suggested he hang the blind so I had some privacy ( being a XXXX XXXX it was Horrible for MONTHS ), and he reported the blind as wrong. Then the company started calling me asking for the balance, and I said - The 3rd Blind is WRONG and it needs to be replaced. They offered a small discount and insisted on getting the rest of their money. I was disgusted on the treatment I got, the lack of service, and NO contact on their end for MONTHS. I said forgive the Bill and I will NOT Report their lousy service to XXXX XXXX  and XXXX. So it was decided. Then TWO Years later, this was sent to collections. This is an OLD BILL for HORRIBLE Service, and a WRONG Blind never replaced, and FIVE Months of NO SERVICE. There is NO PAYMENT DUE to this XXXX XXXX XXXX XXXX. THIS BAD DEBT was FORGIVEN YEARS AGO - due to such Lousy Service! XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been having trouble with the 13 % high interest rate on this loan. I have paid mostly interest on this loan for more than a decade upwards of {$28000.00}. Its a {$20000.00} loan. I still owe {$12000.00} according to them. Earlier this year I had discovered that the new payment plan I had established with them earlier only put about 15 % of the payment toward the principal and the rest toward the interest. I felt that I was being cheated and called them up to negotiate another plan that will help me pay down the principal, with emphasis on lowering interest. The would only keep stating to me " the interest rate is set by the lender ''. I decided to not pay anymore at all. 
Yesterday, XX/XX/XXXX I received a letter in the mail stating that they were about to start reporting to the credit agencies about my delinquency. It read in the second paragraph " If you're having trouble making the Navient private student loan payment, you may be eligible for a repayment program, such as interest rate adjustments or loan modifications. '' Today, XX/XX/XXXX i called them and stated what the letter said and I was refused help. She said it was an automated letter and that I don't qualify for help. I was told I don't qualify for any programs to lower my payment or interest or apply more to my principal than to the interest payment. She even said there was a program where I could pay just an interest payment and buy myself another month to figure it out! Just interest! I stated that makes me believe that Navient is really into only making a profit. Do I really have to keep paying interest on this loan just to keep my credit score up? 
I think that this loan, originally processed through Sallie Mae, is predatory. I can't even work because of health problems and they say I make too much through my husband. My diploma isn't worth anything because of the school I graduated from. I can not get this loan refinanced because I don't make ENOUGH income. Am I really going to be help prisoner by the interest on this loan? Do I really have to keep throwing my husband 's hard earned money away to interest payments? I graduated in XXXX been paying since XXXX. Are there any programs I qualify for because I've been paying so long? Are they being ignored by Navient servicers?
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I am writing this complaint because there is a debt collection company by the name of LVNV FUNDING LLC who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee and the require collection companies to have an actual Tennessee business license to collect. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) because they are using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). LVNV FUNDING LLC also utilizes a server company called RESURGENT. The use of research is misleading and perceived to be another deceptive way for LVNV FUNDING LLC 's attempt to collect. The FDCPA per Debt Collection Rule requires debt collectors to collect using their true name per 15 USC 1692e ( 14 ). This is a breach of my privacy per the Privacy Act of 1974 5 USC 552a. RESURGENT who is partnered with LVNV FUNDING LLC also uses a cartoon animated logo which is prohibited per FDCPA 15 USC 1692f ( 8 ) when they attempted to collect on behalf of LVNV FUNDING LLC. RESURGENT is also a collection company who is not licensed to collect in the state of Tennessee. These behaviors are illegal and are grounds for legal action per 15 USC 1692K.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

In accordance with the fair credit reporting act this creditor have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer plan for any purpose. So I would like them to be removed completely or I would have to take legal action for breaking the law and failing to abide the federal law compliance policies.
Consumer complaint received 2023-12-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have repeatedly asked this company for debt validation or verification, and they have not provided any information at all. This collections is regarding a move-out payment however a copy of the lease can not even be provided verifying the outstanding balance. I have requested verification XXXX times over the last year, and they refuse to provide documentation of the debt.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

Account Information XXXX XXXX I have been in contact with VANCE & HUFFMAN LLC for over a year now via phone, company website and disputes sent via the credit bureau. I have informed them that a company that I previously owned was used to take out several loans using a company that had went out of business and my personal information. The loan that was taken out with taken out with XXXXXXXX XXXX XXXX  used my personal information as a personal guarantor but also someone else information that was not associated with the business nor was a signer on the documents with the state. The only other party who as able to sign or enter any contractual agreements was my spouse who was not listed anywhere on the agreement. The equipment that they are trying to hold me responsible for was shipped to an address where I no longer lived or received mail. The collection agency refusing to look at any documentation original contracts, lease agreements, police reports, business status with the state of GA when the loan documents were created, which all show that the debt is not valid.
Consumer complaint received 2023-12-07
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. (NC)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXXXXXX XXXX from my credit report immediately
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

I SENT SEVERAL COMPLAINTS FOR XXXX XXXX REGARDING THE INFORMATION BEING REPORTED WITHOUT ANY CONCENT EVEN I GOT LETTER FROM COURT THAT THEY ARE NOT REPORTING IT SO HOW THEY CAN REPORT THIS INFORMATION.THATS EXTREMELY UNLAW FULL AND THEY ARE HARMING MY FINANCIAL LIFE
Consumer complaint received 2023-12-04
Product: Credit reporting 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. 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 name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I started looking to purchase a vehicle back in XX/XX/2024, while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX XXXX, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This credit bureau stated that they investigated this issue and mailed me the results. I received these results but it failed to state how they did a fair investigation on the thing I am disputing. How did the credit bureaus verify my bankruptcy as 100 % Accurate? Did they get the information from the courts? Because the court stated that they do not report to any credit reporting agency. So, how was this investigation done fairly and accurately. 

They never did a fair investigation according to the 15 USC 1681. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 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. 

I have attempted, repeatedly, to get a fair and accurate credit report with this bureau by disputing and have gotten no resolution from them.