davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (PA)

I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (VA)

XXXX accordance with the Fair Credit Reporting XXXX  Account # 's NCB Management Services Acct # XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/year> there was a withdrawal on my account amounting to {$3200.00}. I immediately filed a claim about it. I had an emergency. My father was in the ER since yesterday. I begged for the agent Ive talked to just to give me my money back and they told me that I will receive it today ( XX/XX/year> ) but when I call back just by now they said they need to investigate my claim FULLY! AND WILL NOT BE ABLE TO GIVE ME MY MONEY BACK TODAY!!! IT IS A MATTER OF LIFE AND DEATH!! IF I DONT HAVE MY MONEY TODAY MY DAD WILL BE DEAD!!! BANK OF AMERICA HAS NO CARE FOR THEIR CUSTOMERS!!
Consumer complaint received 2016-01-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc. (TX)

I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I C Systems Inc. claimed I owe a debt. I sent them a Creditor Vailidation Letter XXXX XXXX, 2015. I waited the 30 days to hear back from them according to the Fair Debt Collection Practice Act. I have not herd back from them. ALso, I asked them to show that I C Systems Inc is incompliance with the State of Texas Debt Collections Laws thewy have not been able to show me that either. This debt should be removed from my credit report.
Consumer complaint received 2022-06-21
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : TOYOTA MOTOR CREDIT, Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

I received a tax lien XXXX/XXXX/2011 against my credit. I proceeded to make payment and requested the IRS withdrawal the lien based on meeting at least XXXX of the criteria IRS Section XXXX ( XXXX ) which the IRS granted me a complete withdrawal on XXXX XXXX 2011. I proceeded to contest the XXXX bureaus with the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX document of which XXXX and XXXX deleted the derogatory public information Tax Lien. Equifax however refuses to delete the derogatory public information tax lien. They contest that is has been " Released '' however I contest that it should be completely " Withdrawn. '' I have recorded the withdrawal against my primary residence at that time XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I have contested this on several occasions and Equifax continually refuses to delete this derogatory public record. I feel they are incorrect and this should be deleted.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

These fools send me a letter that claims they deleted there sloppy blunders. This is a lie. Flagrant incompetence. WHAT is this inaccurate garbage still doing in my file? After claiming it was deleted. I just seen it again online 5 minutes ago today? XX/XX/2015 I told them a month ago, I want these expired, inaccurate addresses deleted, they agreed, never complied to. Plus, they have some ridiculous landline number with XXXX XXXX ( XXXX ) for a area code. What do you call this sloppy incompetence?! # Willful gross negligence, stupidity, what?! # That XXXX cellphone XXXX is inaccurate and I cancelled with verizon. PLUS, that XXXX partial number, they must fish for errors?! #
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX associated with XXXX XXXX XXXX ( XXXX XXXX XXXX, has violated my rights. 

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

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

The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NY)

I received a notification from my credit report that Receivables Performance added a debt to my XXXX credit report. They did not include any information about the debt owed ( account number, original creditor, amount owed ). Receivables performance was unable to provide me with any information including my signature on a contract and to verify the debt is actually owed by me and I am demanding immediate removal from my credit report. Also, Receivable Performance never sent any collection correspondence by mail that would have allowed me to dispute in a timely manner to rectify the discrepancy.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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  Account # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.
Consumer complaint received 2022-06-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-11-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Zenith Financial Network Inc (CA)

This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!
Consumer complaint received 2024-09-20
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: RentDebt Automated Collections, LLC (NV)

I request the removal of an eviction record associated with my name which I believe is inaccurate or unjustified. 
Under the Fair Credit Reporting Act ( FCRS ) I have the right to dispute any inaccuracies in my consumer report. I believe this eviction record is erroneous for the following reasons would cause extreme hardship and lack of gaining housing for myself.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was a victim of a XXXX scam. I signed a lease and then got scammed after I sent the Money. I sent {$400.00} on XX/XX/XXXX for security deposit, {$850.00} on XX/XX/XXXX and XX/XX/XXXX. {$250.00} on XX/XX/XXXX for the fee. I reported it to Wells Fargo on XX/XX/XXXX. Wells Fargo denied because i knowingly sent the money. I explained I have all the proof and I was a victim. Wells Fargo did not inform me of it or investigate it. XXXX states if you are a victim of an imposter scam you can receive your money back. The Landlord then deleted her account and blocked my number. XXXX states if you are a victim of an imposter scam. I can get my money back. Attached is all the information needed. The person who claimed to own it does not.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (TX)

THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance to the fair credit reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: DISCOVER BANK (NV)

Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

The following account was charged off as of XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Consumer complaint received 2022-06-21
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX  ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX - XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted on XX/XX/2024, and, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute dated XX/XX/2024. 
All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting.

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information.

Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX. XXXX  XXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.