davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-08-26
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)

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses and inquiries are listed in the attached FTC. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (AL)

VALIDATION AND CEASE AND DESIST Collection agency name : NCB MANAGEMENT SERVICES Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
Portfolio Recovery The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I am filing this complaint against National Credit Systems , Inc. regarding the alleged debt of {$6700.00} ( Account Number : XXXX ), originally with XXXX XXXX XXXXXXXX XXXX I have sent a debt validation and cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), asking for detailed validation of the debt, including itemized statements, audit trails, and any agreements obligating me to pay this debt. National Credit Systems has not provided the requested documentation, and they continue to report this unvalidated debt to XXXX, XXXX, and XXXX. National Credit Systems has not provided any supporting documentation for the alleged debt, including how the {$6700.00} balance was calculated. I have requested they cease all communication and delete the tradeline from all credit reporting agencies, but they continue to report the debt, which has caused damage to my credit profile.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On XX/XX/year> phone calls were made and letters were sent asking for validation to portfolio recovery associates for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S Code S 1692g - Validation of debts 15 U.S.Code S 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNiSheRS of information TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITiION ( A ) Reporting information with actual knowledge of errors 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 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been receiving phone calls from 4 companies that have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Consumer complaint received 2023-09-29
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " ConXXXX 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX XXXX ( XXXX ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX XXXX ( XXXX ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Some how they XXXX  up my wife 's and my accounts were shared the same birth date so I can only figure that's what did it. I fixed this eventually. Now though I can't remove the freeze from my account this is all through TransUnion I used their website live chat and phone supposedly an supervisor was supposed to call never did. I know it is still frozen because XXXX says it is them through XXXX then I tried through XXXX XXXX. Who also say it is a frozen TransUnion account.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Spring Oaks Capital, LLC (NC)

This is not my account this a faud account 2 I have not been afforded the opportunity to dispute the account in accordance with 12 SER 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 
3. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 
I demand that the Consumer Financial Protection Bureau investigate This fraud account
Consumer complaint received 2024-08-05
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. (GA)

As per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it emphasizes the necessity for consumer reporting agencies to carry out their duties fairly, impartially, and with due regard for consumers ' privacy rights. Notable among these agencies are Equifax, XXXX, and XXXX, where I act as the consumer. Protecting my confidential data from disclosure is paramount, as reinforced by 15 USC 6801, which underscores financial institutions ' obligation to uphold customer privacy and safeguard their nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it's stipulated that consumer reporting agencies may provide consumer reports only under specific circumstances, primarily upon receiving written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agenciesEquifax, XXXX, and XXXX my consent to furnish my information, particularly without written authorization. Any form of consent given to these agencies or information providers to credit agencies, whether explicit or implied, is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without explaining how consumers can opt out of such disclosure. However, the information provider to credit agencies failed to inform me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. The inclusion of the account without my consent constitutes an adverse item, violating the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), furnishing inaccurate consumer information to consumer reporting agencies is prohibited. Equifax, TransUnion, and Experian also fail to maintain reasonable procedures to avoid violations of consumer reporting standards, as mandated by 15 U.S. Code 1681e. Lastly, 12 CFR 1016.7 asserts that consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

I am writing to formally dispute the reporting of a charged-off account on my credit report, specifically the reporting of a Form 1099-C issued for the account. I believe there has been an error in how this information has been handled and reported.

According to IRS Publication 4681, " Canceled Debts, Foreclosures, Repossessions, and Abandonments, '' Form 1099-C is used to report the cancellation of debt. It is important to note that while this form reports the cancellation of debt, it is not necessarily a declaration of taxable income in every instance.

The IRS publication outlines that a Form 1099-C is considered a certificate of indebtedness and Income can not be reported.
Consumer complaint received 2024-08-05
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. (TX)

XXXX XXXX XXXX account that was opened during the COVID pandemic and fraudulent activity was done on the account was never given a legal or law notice or review or even offered any type of relief or deferred arrangements. No investigation was done by the company into the fraudulent charges or how the account was opened without authorization of the private data information holders consent. XXXX and XXXX continues to report the account without proper validation and this there has been clear violation of permissible purpose, as well as once fraud was declared on the account the due process was not taken by none of the above mentioned companies to validated how the account was open