davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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.

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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MO)

Since of XXXX I've been contacting them so I can pay my debt. I have offer to pay XXXX XXXX  monthly that's what I can afford then I've offer to pay {$1000.00} but been denied and they never contact me to let me know. Then on XXXX XXXX XXXX I've {$2000.00} and still refused. The manger was very rude and quick with me didn't even let me talk much or even explained myself at all. I had to tell them I have to bring a lawyer to this since then they don't contact me but when I contact, they are refusing my offer.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The dates they have items reported as charged-off doesnt match my records. I have also been receiving calls and emails regarding these account after the accounts have been charged off according to my credit report. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Consumer complaint received 2023-12-01
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. (AL)

Equifax is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with Equifax XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. Equifax is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Equifax abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that XXXX will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I tried updating my address via a third party app not sure if you work tonight but I check my credit Equifax still had the old address of XXXX XXXX XXXX XXXX XXXX California XXXX I have since moved from the address my address now is XXXX XXXX XXXX XXXX XXXX California XXXX I have included a bank voided check representative proof of my address so please update address information is very vital to my credit thank you
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good morning, I was scammed by trickery. Knowing I had a XXXX  XXXX on the way a need for a bigger apartment was needed so I went online to XXXX to get an apartment. Saw the listing in the hyper link attached below reached out inquiring about the unit. The scammer who potrayed himself as the leasing agent " XXXX XXXX '' reached out to me. Explained my situation, to which he sent me application questions answered sent them back and said I was approved. Excited I asked what's move in cost, the usual info needed to move he sent me a leasing agreement read over it signed and sent ir back on XX/XX/XXXX a payment totaling to {$3300.00} was sent XXXX from my capital one account XXXX from XXXX via XXXX and XXXX from XXXX XXXXp via XXXX. More time passed questions were being asked by me about the unit all over text and phone calls can be shown with screenshots. XX/XX/XXXX came to which " XXXX '' reached out saying I needed to pay an additional XXXX ( Last month rent and a prorated amount ) to move in on th XXXX the money was sent through XXXX via my XXXX account after paying everything a receipt/copy of the " leasing '' agreement was emailed to me again under the impression I got a new apt to house my family a XXXX  was rented for the XXXX after days of waiting, checking in to make sure everything was still good the XXXX of XXXX arrived that morning I called to no answer around XXXX only to recieve a text message saying the keys will be picked up soon as the day pass no one calls to inform the unit is ready after I've already packed my XXXX  around XXXX/XXXX XXXX I drove the XXXX to the property to see what was going on, once there confused to where the leasing agent was I knocked on a tenants door to which the situation was explain and asked if he knew " XXXX '' he responded no, but informed of a man named XXXX XXXX ( XXXX XXXX who is the actual property owner once contact was made he told me that not only the unit wasn't available but he's never heard of someone name " XXXX XXXX '' that's when everything made sense, that I was a victim of a scam contact was also made with the person who received the money via XXXX, XXXX and XXXX XXXX to which the person played ignorant saying no money was received on his side though his XXXX XXXX is XXXX XXXX XXXX XXXX Communication was done through email text messages and phone calls to which all can be screenshots can be sent to support my clain https : XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-07-01
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

I have been contacted b y Hunter Warfield rega rding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX I received notice from this debt collector stating that I owe a debt to them. 
I proceeded to send them on XX/XX/XXXX a debt verification letter in which they never responded to. Today I received another collection letter dated XX/XX/XXXX attempting to collect on the same debt. They failed to respond to my verification of this debt and they have reported this collection to all 3 credit bureau 's. 
XXXX XXXX XXXX They reported me to collection without verifying the debt per my written request.
Consumer complaint received 2023-11-30
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX at approximately XXXX central time, I was notified by text message from capital one that there was possible fraudulent activity on my XXXX for {$750.00} from XXXX . I immediately came home from work and called capital one and advised them that i had not made this charge and had no idea who the establishment was. As we were talking, they advised me that the transaction had been submitted several times and it finally went through as pending. At the same time, they said other transactions were occurring on my card XXXX buying a pizza transaction. So, I immediately told them to cancel the card and they would issue me a new card with a new account number and conduct a fraud investigation. On the XXXX of XXXX, i saw that the charge was reversed. On XXXX XXXX at XXXXXXXX XXXX local I was notified by capital one that after researching my cause they found insufficient evidence of fraud. So i have spent 8 hours today XX/XX/2023 trying to resolve the issue. First talking to XXXX at capital one fraud department, and then being transferred to the supervisor XXXX at capital one fraud department, that notified me since the merchant had my address, name, email, and account information that they are considering this a legitimate charge. I asked them to send me the complete investigation which they told me will take 2-3 weeks. As a 100 % disabled combat retiree XXXX XXXX, {$750.00} is a lot of money to a retired disabled person. Please investigate this to the fullest, for I am notifying everyone in the military that our banking system and credit cards are not secure. And XXXX 's statement of XXXX fraud liability is a lie.
Consumer complaint received 2023-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (CO)

I requested information on XX/XX/2023, XX/XX/2023, and again today after receiving a second call since my first request. 

I have received nothing from them, and this latest call they claimed that they had received no request from me.
Consumer complaint received 2024-02-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I purchased a {$100.00} prepaid card from US Bancorp through XXXX which uses the XXXX website. 

In order to use the card, US Bancorp states you must register your name and address. The website on the back of the card - XXXX - will not allow me to sign in and register my name and address. I called the phone number on the back of the card and asked to register my name and address as they require, but they will not do so over the phone. They say you must use an automated system, but when they transfer you, there is no option to register using the automated system.

The fraud that US Bancorp is perpetrating : requiring you to register your name and address to use a XXXX prepaid giftcard, but not actually allowing you to register your name and address through any means ( website or phone. ) They then decline 100 % of transactions and steal your money.
Consumer complaint received 2023-07-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (GA)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to XXXX years in prison and civil liability.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My personal property was seized by this company on XX/XX/2023. Today is XX/XX/2023 & I have not received any letter stating they took my property, so I did some research to find out who had my car. I first contacted the police to report my vehicle stolen and upon doing that they did some research and informed me in their system my car was stating it was repossessed. Once I got in contact with the auto loan company they sent me to a company called Loss Prevention Recovery which then gave me information to the company XXXX  XXXX XXXX. XXXX told me they was hired by Capital one to seize my property and told me how I could go about retrieving my property and personal belongings. As well as I had 5 days before my car would be start the auction procedure.