davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DRB-40, LLC (SC)

On XX/XX/year> I received a call from Diversified Recovery Bureau, LLC about account number XXXX which is a debt account from XXXX in which was already Paid and taken off of my credit report on XX/XX/year>. By my knowledge and understanding according to code XXXX XXXX XXXX ( b ), ( c ), ( d ), ( g ), ( j ), ( m ). I understand that my consumer rights were violated due to the debt collecting agency having my personal information without my consent or hard copy signature written by I, personally. I dont want this company calling harassing me, emailing me, or sending me letters by mail. Any further attempts to contact me Id like to sue. By my personal information being sold illegally Id like to have this debt cleared or go to court to sue for XXXX XXXX a violation on this issue and further issue.
Consumer complaint received 2022-09-29
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. (NY)

T

his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Torriere Holdings INC (KS)

Today I received a call that came across my cell phone as " XXXX - XXXX XXXX  SRS ''. When I answered, the representative stated they had a very important issue to discuss with me and asked if I would be ok being transferred to a representative. I said yes. Upon being transferred, the representative on the phone said they were trying to get into touch with me regarding my old debt with XXXX XXXX. I was stumped why the SRS was calling regarding the debt, but continued to listen and verify the information they had. Then it just started to make no sense. So I asked if they were really the SRS or just a collection company. And she said a collection company. So I told her that they are being extremely deceptive and misleading who they are in regards to contacting consumers and they no longer had my permission to discuss this debt or contact me. I found out that they are called Spire Recovery Solutions, hence how they are attempting to call themselves " SRS ''. I do not think it was a coincidence or me simply misunderstanding. They are deliberately and intentionally trying to impersonate a government office in order to make contact with debtors.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Hello, I had sent a Cease and Desist letter on XX/XX/year> to this debt collection company ; Evergreen Professional Recoveries Inc, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX and ( XXXX ) XXXX And they keep calling me, violating my rights under the Fair Credit Act laws. They just called me today XX/XX/year> at XXXX from the number ( XXXX ) XXXX. 

Under my rights stated on the Fair Credit Reporting Act, if this company does not stop contacting me, ( violating my rights ), I will take legal actions. 

Thanks for your time.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JMS Associates, Inc. (FL)

I am a former business owner and owe a balance to XXXX XXXX XXXX  They referred my account to a collection agency, and the collectors name is XXXX XXXX from JMS associates. I have been communicating with him and advised him that I wanted to verify the amount owed with the original debtor. Today I received a text message from XXXX XXXX that states I just spoke with XXXX XXXX at XXXX XXXXXXXX. There were no payments made on this account since the check bounced. The balance is {$1200.00}. At this point I have been very patient but its either you agree to the payment plan and start paying {$310.00} a month or I will make a call to the XXXX XXXX XXXX XXXX and get them involved. The choice is yours. XXXX XXXX violated my consumer rights by threatening to call law-enforcement if I didnt start paying the amount he stated in his text message. The above information was copied right from the text message I received. He didnt even give me a chance to reach out to the original debtor and verify the balance owed. This is horrible business practices and violates the fair credit reporting act by threatening a consumer. Something needs to be done to stop these collection agencies from making threats.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

has violated my rights. Or a list of inquiries : 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 2024-06-24
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. (SC)

On XX/XX/XXXX I submitted a complaint against TransUnion and XXXX due to the fact that they're infringing on my right to privacy. As XXXX party agencies they have been reporting personal information of mine to corporations and it has been affecting me in a negative way. I sent the them an opt out letter and a letter stating how they have negative accounts on my profile that I want removed from their database. The agencies are only updating the accounts and are ignoring the fact that they're affecting the way that I do business with financial institutions. These accounts are showing closed on my report and I demand that they're removed.
Consumer complaint received 2023-11-20
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)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes acXXXX
Consumer complaint received 2024-06-24
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. (TX)

I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date. The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work. The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 Please see attached file for further detail about this complaint.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated.
Consumer complaint received 2024-06-24
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)

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( XXXX ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-24
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am shocked to see my Credit report being infested by a large amount of erroneous and fraudulent items that were indiscriminately reported by the Credit Bureaus. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission and I need you to remove the these items as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX BANK XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00}. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

Hillcrest has reported inaccurate debt on my credit report. Despite being notified by the company XXXX to withdraw the debt, it has not been removed. The debt from Hill Crest is not mine, yet it continues to appear on my credit report, adversely affecting my credit score.

HillCrest has been notified by XXXX to withdraw the debt. However Hillcrest has taken no action to remove the incorrect debt they reported from my credit report. To date, no action has been taken, and the debt remains on my I am enclosing copies of all relevant documentation, including my previous correspondence with Hill Crest, proof Hillcrest was instructed to remove it name from my credit report
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please delete these fraudulent accounts from my credit report. These have already been deleted by the other reporting agencies and need to be deleted by you also under the law. I have included the identity theft report, and updated bill, and my ID and passport. 

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 Please delete these fraudulent inquiries . 

XXXX XXXX XX/XX/XXXX XXXX A 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 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ROBINHOOD MARKETS INC. (KS)

Hello so my social security and bank account was hacked by someone which caused them to open new accounts in my name I contacted my bank and let them know about the and I also contacted XXXX and told them of the issue. Everything was running smooth for a good amount of time. After a month or so XXXX restricted my spending account out of no where and disabled my card so I thought it was nothing and waited it out them then suspended my account indefinitely and put it under review I resubmitted the reason for what happened to my bank accounts and XXXX never too notice to the matter but only sent back and atoned response telling me that they where closing my accounts. I emailed them to remove my money so I could get my funds back and then fully close the account the never responded back to me its been over 2 months and I still havent received a response to getting my money back.
Consumer complaint received 2024-09-23
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: CARVANT FINANCIAL LLC (MD)

This company is reporting fradulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account also other documents so that I may review to see if these accounts actually belongs to me
Consumer complaint received 2023-03-14
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.