davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
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. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Sec. 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.
Consumer complaint received 2023-06-08
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX  I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these accounts removed from my credit report immediately otherwise future action will take place. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-10
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. (NC)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (PA)

In accordance with the Fair Credit Reporting Act, SELF FINANCIAL INC / LEA has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-08
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: The Receivable Management Services LLC (VA)

I have no knowledge of this conpany & have not provided any consent for correspondence Please see attached forms senf from The Recievables Management Service LLC. 

I have no legal or binding contract Pleade Remove Identity Theft account,
Consumer complaint received 2023-06-10
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. (TX)

I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-08
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Platinum Holdings Group, LLC (TN)

Starting in XXXX, I started receiving calls from a company called World Wide XXXX. They state to me they have tried to serve me legal papers, I verify the address and then they get rude and tell me they dont have to reserve me. I have even checked with the sheriff, no warrant. I keep telling them not to call, they tell me they have every right to call. They are rude, they get beligerent and tell me they know their legal rights. 
Now they are contacting family memeber, and my job. They have called my work three times today, finally my coworker told them I 'm not here anylonger and the lady told him that 's untrue. She was pressing him for personal info on me. He ask her not to call and she said she had every right to continue. 
I called back the number XXXX, Case XXXX spoke to XXXX, told her I was recording her, she told me I had no right. She transferred me to a XXXX XXXX that said he was a legal officer, who called me a deadbeat that he had my credit file and that I was a professional con artist. I ask him to mail me whatever file he had and he said it was my responsibility to call the company to collect the data. I told him not to contact me at work, home or by relative. He told me I 'll meet you in court and hung up, only to call me right back. They will only provide a name, World WIde XXXX and the XXXX #. They will not provide the address for me to call. Please help, this is interfering with my job and I 'm a single mom of XXXX with XXXX income. 
I 've ready my rights on the FTC consumer info site and each thing I 've listed above they are in violation.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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



XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX : 1959 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 2023-06-08
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

I had my phone hacked into by responding to a person who sent me a code saying that they were verifying that I wasnt a scammer. Unfortunately they were the scammer. Somehow through advanced technology they hacked into all of my personal and business accounts and drained the accounts. Money was sent to random people I have never talked to or been involved with in any way. These people or businesss were in different states and different countries. I have filed 5 claims with regions and had 4 denials. They paid back some of it but not all. The remaining amount owed to me is {$11000.00}. Bottom line is that it is regions responsibility to protect my money. In exchange they get to make money and interest off of that money while the money is in regions possession. I can not afford to lose that amount of money. I have been battling this for 2 months now with regions and it has caused me a lot of stress. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc. (MO)

I have experienced hardships after loosing my job 3 months ago. I communicated this with them and I continued to try to better my situation. This made me unavailable to repeat myself everyday and I simply waited until I had an update to reach out. The car did not have an up to date inspection on the vehicle when I bought it. It was a couple of years past due. I had to get another one in order to get the car plated. The starter was going out from the month I purchased the car it was only intermittently so every time I took it in it suddenly worked. A manager that previously worked there told me that I did not have to pay the full amount for the repair when it finally went completely out. He no longer works there. This was two years ago. Suddenly during the time when I have no job, the service that I believe was paid suddenly pops back up on my account and suddenly after a year or two it is now urgent that I pay it. I feel like the last couple of times I spoke with someone they are misleading and deceiving. I thought I was signing a payment arrangement when I came into the office on XX/XX/2023 or XX/XX/2023. I never recieved a copy of what I signed and when I was signing nothing was shown to me. When I called earlier to let them know about an issue with my bank, I was told that I had no payment arrangement. I have been in contact with a lawyer to discuss options as I also was antagonized by a new employee there who was very condescending and unrealistic despite me telling them the truth about my situation and paying what I could when I could. I asked for this person to be blocked from my information and account and was told by the owner XXXX that that was done. I found out today that that was not the case. Ive never had such a problem with them. Ive been without work before and they were extremely helpful with giving me at least 24 hours to find the money outside on the ground. Now Im hearing of all these other possible ways that they can help me that were never offered to me. My payments were never lowered. Despite me being told that they would be. They are not letting me pay on my car note at this point, I can only pay for a repair that I dont even think I owe. They always claim to help but essentially that is only when you can keep up with making high weekly payments. They claim to be honest but none of them are. My car is pretty much paid off and Im starting to feel like this is a scam. Ive always been honest and have consistently made the payments for my vehicle. Because of their hours it hasnt always been on time because I havent always had time to come in. I feel like they are a little underhanded. I have heard all bad things about them and Ive always defend them. This time its my turn to see their true colors.
Consumer complaint received 2023-06-09
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. (TX)

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

I sold a A XXXX XXXX Treadmill on Ebay and at the time of listing Ebay recommended Pay Pal as the Agent to receive payment from the buyer which is what I did. The item was listed for {$350.00} and the the buyer offered {$270.00} which I accepted. The listing for sale stated ( 1 ) Local Pickup, ( 2 ) No warranty. ( 3 ) No refunds. The item was in excellent condition and the buyer Paid the full amount {$270.00} to Pay Pal who advised me that the payment was made, the Buyer contacted me and was able to pick up the the item on XXXX XXXX. and thereafter wrote on Ebay 's feedback " Outstanding transaction, Excellent Seller '' When later that day I contacted PayPal about my money I received an email from them stating that it would be 21 days or until XXXX XXXX before they can release the money to me. It was pointed out to them that no such disclosure was made to me before and the item was sold as is without any warranty or refund, and further the buyer has my goods enjoying the use of it and I do not have access to my money because they are unjustly holding it for no justifiable reason they have refused to release it even though I have satisfied all conditions of the sale.
Consumer complaint received 2023-06-08
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}