davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name XXXX 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

These inquiries were unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: South West Recovery Inc (CA) (NJ)

I have been receiving a ton of calls per day from XXXX. I have a total of 155 calls in the past 30 days. I am receiving more than 7 calls a day within a 7 day span. It's completely spamming me and i have had to use my cell providers service to try and block the non stop spamming to my number. You will see that in some instances i get multiple calls within seconds of each other so the minute looks the same on timestamp but thats how many times they are calling even within 60 seconds! I will include screenshots of my call log just in the past two months, this has been happening for well over 3 months now. this is the company : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I called to XXXX XXXXXXXX XXXX in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Green Square Company LLC. (MI)

Have been calling non stop for months. 
On XX/XX/year> I received a call from my mother in law stating that someone contacted her from their office. 
I called them back to get info about the account/collection and spoke to XXXX XXXX XXXX if that'sreally his name, because I was hesitant about their validity in the matter. But they would only give me the current debt holder and how much they were charging and not the original creditor or amount. They were threatening to sue and send to court, so I enquired about a payment plan.

But he just pretty much said he could only negotiate a lump sum payment?!

I said I would get back to him when I figured out my budget ... A little later I received a text feom my brother in law stating the same thing from the XXXX XXXX. So I decided to call them back to ask them to stop harassing my family members about my account, but they didn't answer, I assume it was after hours so I left them a message about it. 
XX/XX/year> He calls again stating he is returning my phone call. So I asked him to please stop contacting other people about my account and that they should only be speaking or contacting me about it. He tells me that he is not a debt collector and he is not contacting anyone about my account. I tell him this is the phone number my family members gave me to call so clearly you are contacting them. I tell him it is against the law for you to continue to contact others about my account if I ask you not too. 
He proceeds to get ugly with me and starts yelling and cursing about how I better pay or their going to send me to court. I just said ok, ok, I'm going to report you now and I hung up on him. So here I am reporting them.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-21
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) updated from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (GA)

I would like to dispute the following negative accounts on my credit report. 

Equifax : XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX : XX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-26
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)

My account with XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. 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 in XX/XX/XXXX 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-18
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: Mobiloans, LLC (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Location Specialists (TX)

I got a text message from American Location Specialists claiming that a formal complaint was filed on me. They claimed I owed a debt and I set up {$130.00} every two weeks payments with them but now that Im doing research it's obvious this company isn't legit. They claimed the debt was already on my credit report but it is not. Ive submitted a copy of the text message they sent me along with the email informing them to not take out any payments.
Consumer complaint received 2024-08-01
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. (NC)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Central Inc (MS) (FL)

On XX/XX/year> someone was fraudulent using my information and running my credit without me knowing I didn't approve for anyone to run my credit my information did get stolen with all my identity in it so I don't know was someone running my credit trying to get items in my name I did contact the people and let them know that it wasn't me now all these inquiries are impacting me to purchase a home and brought my credit score way down someone been using my identity without my permission and once I get to the bottom of this I would like to presue charges because this is wrong and I do wan na file charges on the person as well I surly hope that you guys help me along the way
Consumer complaint received 2024-06-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ALMA Financial Assistance Corp. (PR)

I enlisted the services of Alma Financial to act as a third party in the settlement of my credit card debt. Monthly, I paid them {$370.00}. Initially, the payment was made via debit, but it later changed to XXXX. At first, Alma Financial was paying off the debt to the credit cards until XX/XX/year>. I contacted Alma Financial 's number, as I always did, but they didn't respond. I wrote several emails asking them to reply, but I received no response. 
The following payments were not accredited to my debt : ( I have attached the receipts ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) XX/XX/year> {$370.00} ( XXXX XXXX reference number XXXX ) I went personally to their offices in XXXX XXXX, but those offices no longer exist. I called their U.S. headquarters, but I didn't receive an answer ; the calls didn't go through. The total amount of money that has been defrauded is {$1800.00}. 

Recently, I contacted the XXXX offices, but I didn't receive any solutions.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

JPMCB CARD XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DataMax Corporation (NC)

I have had this on my credit report for 4 years now it was due to an ambulance bill back when coronavirus natural disaster took effect and I got sick with coronavirus and had to call the ambulance due to my knowledge President Obama was in the oval office and everyone that received medical Care during that pandemic was not charged a single penny I never received a bill from this collector I never received a call I never received nothing and I have tried calling them over and over again for the past year to try to get this off of my credit report I didn't think that health related issues infected your credit or I thought they wasn't supposed to but as I stated the United States government paid the amount of {$840.00} exactly on the same day that I went to the hospital the day after to be exact it was in 2020 I believe XXXX
Consumer complaint received 2024-06-17
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law (DE)

Level One Law did not provide services as promised. Paying monthly for a year a total {$12000.00}, I was charged XXXX in fees and they settled with only 1 of my creditor for {$1100.00}. I am hoping to get the funds in holding. I lost XXXX to this company. They are difficult to reach and I understand the company is currently under litigation.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 2024-07-31
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. (CT)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rushmore Service Center, LLC (CA)

I had XXXX homeowners insurance since XXXX and XXXX as my agent/broker since XXXX. Rushmore Servicing took over servicing my mortgage on XX/XX/XXXX. My renewal was due XX/XX/XXXX, all my prior renewal had been paid in XXXX ; yet Rushmore Servicing send payment ( XX/XX/XXXX ) only after XXXX sent them a reminder notice on ( XX/XX/XXXX ) via general mail with XXXX other clients to XXXX. XXXX XXXX payment was posted ( XX/XX/XXXX ) ; ( TWO DAYS AFTER THE DUE DATE ). On ( XX/XX/XXXX ) was when I first learned that my homeowner policy had been cancelled.
Consumer complaint received 2024-06-20
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law (OK)

signed up with Level 1 law firm to debt relief and nothing over the last year and or more has ever been negotiated with my creditors so I have called several times now i have stopped service with them they mentioned that I should in XXXX days from now receive a check for a portion in escrow account but Fee 's are tied up in court lawsuit
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Education Principle Foundation (MN)

In XX/XX/2010 I began as a student at the Art Institutes Intl - MN. I was mislead by Admissions Staff to believe in certain expectations during my program, and after graduation. I was being pressured by Admissions Staff to start a program at The Art Institutes Intl - MN the entire spring, and summer of 2010. The Admissions staff said the projected timeline of study was 2 years for the Bachelor of Fine Arts program. They said total out of pocket cost would be around {>= $1,000,000} for said program. I should have been able to save even more considering I didn't take their outrageously expensive student housing package which was included in the original program 's plan. I already possessed an XXXX XXXX XXXX from a XXXX  College and I was looking at schools to transfer to. 

I moved an entire state away to attend this school at the terms agreed upon in the summer of 2010 between admissions staff and myself. I came in to sign some things for orientation at the school in XX/XX/2010. I was told that none of my agreed upon loans went through. Not even my Federal Student Loan program we agreed upon and already squared away or so I thought. 

They waited until I was plenty worked up about it, and then offered me a private loan from XXXX  XXXX XXXX XXXX, and financial aid for AI - MN helped me refile my Federal Application. This new XXXX loan required a co-signer. This new Federal Loan was un-subsidized. Both loans contained variable interest rates that had high variable fluctuation. 

My 2 year program turned into XXXX years. During my graduating quarter I learned about the lack of proper accreditation for AI - MN. I reached out to other recent graduates to gauge the work field, and projected income. No recent graduates were hitting the prospected marks post graduation. I attempted to find work for the next 4 years only to be scoffed from interviews, or told my degree was entry level, and I'd have to receive a lower expected salary. My XXXX from the Art Institutes Intl - MN is worthless. 

Currently, my XXXX XXXX  XXXX XXXX XXXX XXXX  loans have defaulted. My Federal Student Loans have been forgiven and reimbursed. I am currently being sued by the State of North Dakota for my Private Loan Default.