davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally file a complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Experian has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of human trafficking or XXXX XXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, LLC, 2020 U.S. Dist. LEXIS 202520, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. 

Experian 's refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXX XXXX. As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Experian complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as Experians ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Consumer complaint received 2024-10-22
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-22
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. (MA)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-22
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)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AL)

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that my debt was purchased by another lender that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc. (TN)

Sezzle advertises interst free loans, however, they make their money on several fees. I was aware of most fees but one fee they are charging is very predatory because they don't allow you to turn off Auto Pay. This fee is known as the " failed payment fee '' I leave my debit card turned off for safety, as it has been stolen several times. If a sezzle payment is due on 10/3 ( for exampel ) you can't turn off the autopay so they charge the card in the middle of the night US time. They claim this is because they do it based on UTC time, however, I feel they do it this way to charge extra fees, knowing people 1. ) Won't be paid in the middle of the night as payments usually hit in the XXXX 2. ) People wont know when to turn their cards on and off so they charge in the middle of the night Even if I wake up and make payment at XXXX, its not considered late so they don't charge a late payment fee BUT they charge the {$5.00} failed payment. This can cause fees way over the legal interast rate on these loans. I have personally paid 4 or 5 of these " failed payment fees ''. If you are able turn off autopay to prevent these fees, it wouldn't be an issue but they don't allow this unless you send in forms to revoke payment I am also attaching my revoked payment form just to document it
Consumer complaint received 2024-10-22
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. (TX)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (TX)

Acct : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX Please add this statement to my credit report. 

We entered into the loss mitigation process with XXXX Mortgage in XX/XX/XXXX. They didn't complete it until XX/XX/XXXX. During this time we called every month to check the status and we were told not to make a payment until the process was complete or we'd have to start all over. Once the process was complete, we entered into a payment agreement in which we never missed a payment. Then, we sold the house in XX/XX/XXXX. Now they are reporting that we were 30 days late from XX/XX/XXXX through XX/XX/XXXX. This is not correct.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NM)

I have credit karma when I notice that there was a new collection on my acct. It was National Recovery agency. I call the agent wanted extensive information from me name date of birth ss # and a valid credit card as I would have to pay them to get a report with the information on it. They hit my credit score reducing it by XXXX point with this action costing me a loan I had applied for, my car was in a collision yesterday and it's a total so I requesting a personal loan to help out this month of XXXX until I can purchase another car but with the damage done to my credit score by this company I won't be able to get an auto loan. I talked to XXXX different agents and both requested payment in order to collect an outstanding debt. I have contacted your agency I hopes of stopping these people from doing what they are doing to someone else. I work hard for the little I have they should try and do the same
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

Dear [ Debt Collectors Name ], I am writing in response to your notice dated [ Date of Letter You Received ] regarding the debt with the above-referenced account number. I hereby request that you provide me with the following information, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ) : 1. Proof of the debt ( the amount and how it was calculated ).

2. A copy of the original signed agreement or contract with the creditor.

3. The name and address of the original creditor.

4. Proof that you are legally entitled to collect this debt.

5. A complete account history, including any interest, fees, or penalties added after the original amount. 



Please consider this letter as a dispute of the alleged debt and a formal request for validation. If you are unable to validate the debt, please stop all collection activities and cease further communication with me regarding this matter. 



I also request that any adverse or negative information regarding this alleged debt be removed from my credit report until this matter is resolved. 



Thank you for your attention to this matter. I look forward to your prompt response, as required under the FDCPA. 



Sincerely, [ Your Full Name ] [ Your Signature ( if mailing a physical copy ) ]
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. ()

I was using XXXX XXXX XXXX to take payments for my XXXX XXXX at an event, and they have been holding the money from my in my frozen account for XXXX, and when I told them what my business was, they kept going around in circles and would not resolve the issue. 
The account is held under my work email address : XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC (NY)

I received a notification of a traffic  violation fine from XX/XX/XXXX the municipality of XXXX XXXX. I have not received any notification or a ticket prior to today, XX/XX/XXXX. XXXX traffic law prohibits collection of traffic  violations, if the offender is not notified within XXXX years. Ive never received a ticket, or notification and no proof exists that XXXX  was ever sent. For this reason this traffic fine is no and void.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

I sent a request through the XXXX website notifying them that I have moved out-of-state and that I was canceling my subscription. They charged me the following month. I disputed it with my bank, and XXXX began to call me stating that I have an unpaid balance. I spoke with several team members notifying them that I moved out of state and that I submitted the request to cancel before I moved. The last person I spoke to was XXXX on XX/XX/year>, who notified me that the account was delinquent via voicemail. I called her back and explained everything to her. She stated that she would look into it, and never called back. I believed it had been resolved, but I received a notification that this had been reported to XXXX.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

This is my personal, good-faith request for relief to REMOVE these ITEMS, let this letter serve as a formal notice you knowingly reporting inaccurate, incomplete or unverifiable information regarding the items listed below. Here as listed ITEMS in error : The following ITEMS have not been validated and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am unable to login and access manage credit freezes. I have tried numerous times to login and I have called at least a dozen times. I answer all the security questions, however when the prompts get to the portion asking if you opened credit, you have 5 options or none of the above. Each time I call, I'm unable to make a choice of 1-4 or none of the above. The call is a continuous loop.

I should be able to login and manage my credit freezes whenever I need them. The online and phone ability to contact the company is essentially broken. I need to unfreeze for a short period.