davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I am a victim of Identity fraud. I had to sue a Chief of Police in Minnesota because he was accessing my personal information for over 30+ years, and giving it to his drinking buddy to harass me, impersonate me, threaten me, assault me, open accounts in my name, and sent others to try to kill me in Minnesota ( also ) Colorado after I settled the Lawsuit in U.S. Federal District Court in Minnesota XXXX I was contacted by XXXX XXXX  about a debt I have no knowledge of when I lived in Colorado. I had to moved to Nebraska after I had been assaulted, and almost killed in Colorado. I was contacted over and over again by XXXX XXXX. I had changed my phone number, but they keep calling me over and over again. I was contacted by a law firm which took me to court about the debt. I went to court. The law firm didn't show, and the case was dismissed. The law firm again sued me, and again they didn't show up, so the judge again dismissed the case. The account was removed from my credit report, however, after the court case was dismissed it was added again back to my credit report. I had contacted the debt collection agency via email, and I had submitted a complaint on them for harassment. I sent them the links to my District Court Federal Lawsuit, my account information, and to stop harassing me. They have continued to call me at all hours of the day. I keep blocking their robot-calls as they mask it as coming from a local phone number in Nebraska. I kept blocking them, yet they continued to call my phone. I went to recheck my credit report, and see they relisted the debt again even after I sent the information of the Federal Lawsuit in Minnesota. I have filed dispute 's on XXXX XXXX XXXX XXXXXXXX XXXX. Online the accounts have been removed, or are on/under investigation, yet XXXX XXXX has a glitch on the site that will not allow me to dispute this account. I called all 3 credit report agencies to secure my account, fix all the false information that was recorded or placed under my name, social security number, etc. I am trying to repair my credit score back to the high XXXX 's it was, but XXXX XXXX keeps adding the account which keeps lowing my score over and over again by XXXX points or more. I keep being denied credit because of this bank and Portfolio Recovery XXXX XXXX as they keep renewing the account as active or unpaid. I can not repair my credit if this company keeps harassing me, and keeps adding the account after I have it remove or disputed, and they are not answering my emails on my past ( and ) current Lawsuit 's or the information I submitted about being harassed over and over again by them. The Chief of Police I sued still have all my past and current information ( including ) my Legal name change in court.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance {$4000.00}
Consumer complaint received 2024-09-06
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. (FL)

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX via XX/XX/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 Has violated my rights .15U.S.C 1681section 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 2021-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I have found out from my credit report that I have two bills with JEFFERSON CAPITAL SYSTEMS. I never received anything from them and was unaware that they bought out my debt. One of the debts was already disputed with XXXX. XXXX  even removed it from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst uses their unique position as a branched bank to execute XX/XX/XXXX collection tactics, while skirting FDCPA and FCRA laws. Aprox. 7 months ago, my spouse visted the XXXX CA branch to apply for an auto loan for our daughter. This was an individual application with no co borrower. 

For reasons unknown, the agent told my spouse that I owed the bank money. My spouse was confused because she did not solicit any information regarding any accounts, balances, disputes or alleged debts not associated with her legal obligation of repayment. 

My name was not given, and I was referred to as " her husband. '' The agent had no idea of our legal marital status, and assumed that we were still married. 

After speaking at length with XX/XX/XXXX, one of which being XXXX, the branch XXXX from XXXX CA ( who basically stated that she questioned the validity of disputed debt disclosure in her branch ), it is absolutely evident that the Credit Union is practicing questionable tactics to recover disputed debts and skirting consumer protection and collection laws by divulging information to other bank members in hopes of embarrassing them or generating payment from disputed debts while calling themselves " creditors '' and acting in the capacity of a debt collector.
Consumer complaint received 2024-09-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-27
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. (VA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXXXXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2021-02-28
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. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX  XXXX Balance {$35000.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-02-27
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. (GA)

XXXX XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX was outsourced by SchoolsFirst FCU to pursue DISPUTED DEBTS over 8 years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. XXXX XXXX ran a HARD INQUIRY. After speaking with the Collection XXXX of SchoolsFirst, it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the SchoolsFirst was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

XXXX XXXX XXXX is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old XXXX debts, by XXXX consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. Hard Inquiries : 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  Equifax
Consumer complaint received 2024-09-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had three late payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a consumer report is a violation, according to the FCRA. 
XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Alantic Bank which is formally known as XXXX XXXX XXXX has inaccurately reported incorrect information on my credit report and now my credit score went from XXXX to XXXX with high credit usage. And late payments now I have already tried multiple times to close my account and contacted them about this inaccurate illegal reporting inaccurate information and reporting of information that had impacted my credit and has impacted me financial and harmful to being able to get accepted for a home for me and my family therefore not able to get a home almost homeless because of thier actions and inaccurately information they are reporting and still reporting even after I have contacted them and told them yet again to close my account because I have not agreed upon having it open I have closed the account several times already. And this company is not following any laws or regulations and going against my civil rights and withholding my funds and it's a secured account no credit it's all my own money in my account therefore by law no reason to not do what is requested by the fundee and obey my civil rights and request for closing my account that is still open without my consent against my rights and obligation to make me pay for this account that is now fraudulently reporting false information on my credit report and still active and open yet not available to use. Ignoring my messages and calls. Won't respond and opening different accounts on my credit report and under my name fraudulently.
Consumer complaint received 2024-09-06
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. (IL)

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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  DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXXXXXX 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 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I received a voice phone message today stating that my Amazon card was compromised and there was a charge for {$340.00} that they put a hold on. I was to press 1 to talk with the Amazon Fraud Dept. I called the number on the back of the card and was advised it was a phishing expedition. the call came from XXXX and the male on the phone said his employee ID was XXXX ( hard to hear ). Thanks for checking into this-tons of these calls all the time.