davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (IL)

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX  and XX/XX/XXXX  I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (MA)

I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. 
Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. 
And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. 
But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. 
I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. 
Thank you,
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( XXXX ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX, XXXX and Equifax regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( XXXX ), XXXX XXXX XXXX ( b ) which protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : XXXX, XXXX and Equifax has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ XXXX IRS XXXX ]. Reporting income on a credit profile is illegal and a clear violation of XXXX. 
XXXX. Reporting Collections on Sold Accounts : XXXX, XXXX and Equifax is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of XXXX XXXX XXXX : XXXX, XXXX and Equifax has also reported late payments on my credit profile, which is a violation of XXXX XXXX XXXX. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting XXXX XXXX XXXX have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with XXXX, XXXX and Equifax directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with XXXX, XXXX and Equifax and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2023-07-26
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. (GA)

This is my 10th 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 records 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 an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to XXXX  in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them XXXX. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Consumer complaint received 2016-06-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (FL)

I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS 2ND COMPLAINT AGAINST XXXX IS IN RESPONSE TO THE BLATANT LIE THEY TOLD REGARDING THEIR REPONSE TO COMPLAINT NUMBER XXXX REGARDING THE UNLAWFUL COLLECTION AND FRAUDULENT ACCOUNT PUT ON MY CREDIT REPORT BY XXXX XXXX XXXX XXXX Account number XXXX. I DO NOT HAVE AN ALARM WITH VIVINT NOR HAVE I EVER HAD AN ACCOUNT THAT I AUTHORIZED FROM THEM. THIS COLLECTION COMPANY HAS NOT CONTACTED ME TO ASK ME OR TO VERIFY THE ACCOUNT AND XXXX HAS LIED TO THE CFPB INDICATING THAT THE ACCOUNT WAS VERIFIED BUT HAS NOT SENT ME ANY DOCUMENTATION STATING THAT I SIGNED FOR AN ACCOUNT WITH THIS COMPANY NOR HAVE THEY CONFIRMED THAT THIS THIRD PARTY IS AUTHORIZED TO COLLECT ON THIS VIVANT COMPANIES BEHALF. NOR HAVE THEY SENT ME ANYTHING SHOWING THAT I EVER HAD A CONTRACT WITH THIS COMPANY NOR HAVE THEY PROVIDED DOCUMENTATION THAT THE STATUE OF LIMITATIONS HAS EXPIRED.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC (VA)

The debt collector seems hire a detective and call my dad to his cell phone and told them to tell me to call them because there has been filed a complaint against me and game my name. At my knowledge this is inapropriate and illegal. My dad called me worried to tell me that a woman call saying to call her back because a complaint has been filed and he said hope you are ok. I have not received as required by law a verification of debt letter within 5 days of receiving phone call neither as of today. They are behaving like scammers. Need advice.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than 5 complaints against Scottrade trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

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. I've received emails and letters saying I'm 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 2023-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

Amount - {$410.00} / Original alleged creditor was XXXX XXXXXXXX XXXX date XXXX, XXXX XXXX XXXX sold alleged debt to MHC Receivables date XXXX, alleged debt was then sold to XXXX XXXX XXXX XXXX XXXX, then sold to Resurgent Acquisitions LLC C/O Resurgent Capital Capitol Services LP who manages LVNV Funding LLC C/O Resurgent Capitol Services LP who now owns this alleged debt.All illegal third party debt collection from illegal third parties along with XXXX XXXX XXXX  are in Violation of 15 U.S. Code ( a ) ( 1 ) accuracy & fairness / 1681 ( b ) Permissible Purpose / 15 U.S. Code 1681 for assertions/ Legal Cease and Desist / Harrassment / Trademark Copyright Infringement were sent to company being represented / never received proper legal NOTICE of debt within 5 days / never received statement informing me they were assuming the alleged debt to be mine / XXXX XXXX XXXX illegally sold debt and received payment of alleged debt utilizing my name and personal information without informing me they were paid in full of alleged debt they transfered for sale illegally/ to illegal third party debt service Resurgent Capitol C/O UNLV Funding LLC without my permission as an unauthorized user reported alleged fraudulent debt to all three credit bureaus XXXX, XXXX, XXXX without legal authority and consent by owner consumer XXXX XXXX XXXX legal interest rate for lending is 16 % .Consumer owner was charged for alleged debt of 27.24 % violated usury laws of New York.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2023-07-01
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: SYNCHRONY FINANCIAL (AZ)

Synchrony, Bank discount tire had Called me for a while reporting that I was past due on my credit card payment. I explained to them with the dispute team that this was not my account I was unfamiliar of this being opened in my name, and my information, and then being used. They said ok thank you and closed it all out. Yesterday I received a letter stating that I received goods or benefited from the account and they re-opened it, stating I still owe them money. I have had several issues with identity theft and continue to struggle with getting my information clear. I called them again today to try and dispute it again letting them know that I did not open a credit card nor did I even apply for a card. I will continue to fight this until it is appropriately resolved. I have a XXXX  XXXX XXXX and nothing close to the vehicle they stated was worked on. This has significantly impacted my credit score.
Consumer complaint received 2023-10-30
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. (AL)

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.

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.