davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (PA)

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

XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 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 information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2017-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (VA)

I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).
Consumer complaint received 2017-06-14
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. (FL)

There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs bank did not resolve the issue on a charge that happened in XX/XX/2023 for the amount of XXXX. I reported as fraud the first time and did not get it resolve the first time. Then re opened the case and was not solved either. After a third atrempt the bank is asking me the consumer to contact the merchant and ask them for prove or receipt of the purchase. This is unheard of Ive never seen a bank telling the customer to call a merchant to ask them for prove of purchases. Goldman Sachs as the bank needs to do all this. I dont know anything about the merchant or who the merchant is to be calling and asking for information on a fraudulent transaction. The charge stayed permanent on my account which is unfair since i did not made this purchase.
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates has been attacking me for over 12 years with threats of legal action, lawyers being sent to my residence, contacting my employer, now on XX/XX/2023 they have started harassing me on my personal phone. I have provided them with death certificates of the person who created the debt, it has been non-stop harassment for TWELVE YEARS. Every month they are calling after I sent them the original documentation to resolve their claim, plus every 3 months they are sending correspondence demanding payment or legal consequences. This PRA Group has been told at least 30 times to stop and as always, they continue to ignore my requests. Please shut down their corrupt operation and remove them as a public company listed on the XXXX XXXX. They refuse to comply with any orders by CFPB or the courts.
Consumer complaint received 2023-06-19
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. (MO)

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. I requested that Equifax to reinvestigate these accounts : Equifax - XXXX XXXXXXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX XXXX  Acct : XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. 

According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly.

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604 A Section 2 : 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 information any other item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.

Not compliant with Metro 2 credit reporting.
Consumer complaint received 2023-06-19
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account
Consumer complaint received 2016-02-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.
Consumer complaint received 2023-06-19
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX Account Number:XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX XXXX Account Number : XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX Account Number:XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX XXXX XXXX Account Number : XXXX Account NameXXXX, XXXX Account Number:XXXX Account NameXXXX  Account NumberXXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CT)

Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     Thank you
Consumer complaint received 2023-06-19
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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2017-06-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC. (IL)

On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.
Consumer complaint received 2023-06-19
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX Account # XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Delete this account. 
Personal information is incorrect Previuos address:XXXX XXXX XXXX XXXX XXXX XXXX  az XXXX
Consumer complaint received 2023-06-19
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. (MO)

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. 

I requested that Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Acct : XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. Experian - XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX. XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX 


However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly.

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604 A Section 2 : 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 information any other item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.

Not compliant with Metro 2 credit reporting.