davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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. (NY)

Its incredibly upsetting to find unauthorized inquiries on my credit report this evening without any explanation. I reviewed my report as I always do, and suddenly, there are errors that werent there before. I attempted to refresh my browser thinking it might be a temporary glitch, but the issues persist. XXXX very distressed and urge you to meticulously check the documents Ive submitted to resolve this matter promptly so I can put this behind me.
Consumer complaint received 2024-09-10
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. (LA)

Equifax has had a block on my credit file for almost a year. I have been calling them and asking them to remove the block so that I can monitor what is ony credit file and they keep telling me to mail in a copy of my identification and a copy of my social security card. I have done this twice and then they tell me the copies I sent in are not legible which is not true. I filled a complaint with the XXXX. Equifax responded and said that the problem was solved and I should log into my account. That was a lie because I logged into the account and nothing is showing. I'm just trying to monitor my credit and see what's there I don't understand why they are taking me through this and trying to keep me blocked from my own credit file.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
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)

Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.
Consumer complaint received 2024-04-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: National Credit Processing Inc. (VA)

Purchase phones lines with the XXXX XXXX that they will pay off, old account. 
They fail to paid, now its been reported to my credit with years of damage. 
Please help! 

XXXX XXXX Tel XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Recently, all social security numbers and other personal info of, XXXX, XXXX, and the XXXX were stolen and posted on the dark web. Finding out that I could freeze my credit accounts have me piece of mind. I signed up for new accounts on XXXX and XXXX. During the sign up process on Equifax it said there's an error and it can't do that right now ( something like that ). I tried to log in ( since I had already made it through most of the process of account creation ) and it says " We are temporarily unable to complete this request ''. I get that errors happen, but there is no reason listed whatsoever. If you're going to be a credit agency that literally determines people 's financial health, you should be able to give me a reason my account creation can't be completed. Due to this, I am unable to freeze/unfreeze my account for this particular agency. If you look this up online, multiple people have this issue without a resolution ( just a round-XXXX of XXXX we'll escalate '' and then the results are, ( paraphrased ) " We can't do that with your account right now ''. Please explain as this is a severe multi-country issue.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am fully aware that Experian, XXXX and XXXX have reported negative credit items on my credit report without sufficient legal standing. This action not only contravenes the statutory provisions outlined in the Fair Credit Reporting Act ( FCRA ) but also disregards the principles upheld by the Supreme Court under the Chevron Doctrine. The FCRA aims to ensure accuracy, fairness, and the privacy of information in the files of consumer reporting agencies.

By collecting and disseminating private information without explicit statutory authority, Experian, XXXX and XXXX is in violation of my rights as a consumer. This unauthorized practice has led to substantial harm, including but not limited to the negative impact on my credit score, which affects my financial stability and opportunities. 
I request that Experian, XXXX and XXXX immediately cease the unauthorized collection and reporting of my private information and take corrective action to remove any and all negative credit items that have been inaccurately or unlawfully reported. Furthermore, I urge the CFPB to investigate this matter thoroughly and enforce compliance with the statutory requirements as dictated by the Chevron Doctrine and the FCRA.

Please acknowledge receipt of this letter and inform me of the actions that will be taken to address this issue within 30 days. Failure to comply may result in further legal action to protect my rights and ensure adherence to federal laws and Supreme Court rulings. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp. (MA)

Absolute Resolution XXXX XXXX XXXX XXXX XXXX XXXX INVESTMENTS, XXXX, MN XXXX has been reporting false information on my report. The Fair Credit Reporting Act ( FCRA ), specifically 15USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. I do not know the address for which they have attached to my profile.
Consumer complaint received 2023-11-30
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (NY)

Dear GMFNANCIAL, I am writing to formally dispute the late payments reported on my auto loan account. According to the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666b - Timing of payments, late payments are not permissible when a finance charge is involved, as long as the payment was made within the grace period specified in the agreement. 

As finance charges are applied to my account, I request that you immediately investigate this matter and remove any late payment entries that do not comply with the provisions of TILA. Please confirm the correction and provide me with an updated account statement. 
Thank you for your prompt attention to this issue. '' GMFNANCIAL - XXXX
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Mobiloans, LLC (AK)

Telephone Representative called and said a name that is not mine. 
Person-Representative also said did you apply and I said no. 
My name is not last name is not XXXX and my last name is XXXX. 
Fraud all they, they applied for a mobile loan and stole the money. 

Please apply Fraud on this company. Mobile loans
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-05-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (WA)

This debt collector called me and my friends and family and left voicemails stating that they are going to serve me with papers on Friday XX/XX/year> and that they are sending paperwork to my employer ( yes, sent the same recorded voicemail to all my friends and family ). The first voicemail was from a fake number : XXXX. The message indicated they were agents of PCR Group with phone number : XXXX. I called them and a man answered so I asked for his name : XXXX XXXX. I asked if PCR Group is a registered business in the State of Washington, and he said they are registered in every state. I asked if the registered name is PCR Group and he said PCR stands for Personal Counsel Recovery. He threatened me that if I did not pay for a payday scam, they would take me to court. I responded that they are violating both state and federal laws and demanded that they file suit in the proper court. He then continued to threaten me with serving me at home and sending documents to my employer. 

I searched Washington business records and there is no registered business PCR Group. I called back and told them they lied and that they are not registered in Washington and asked what state they are doing business in. They refused to tell me what state they are in, who the owner is, etc. Then they called me from a different phone number : XXXX. XXXX left a voicemail telling me to stop calling them. 

If you search online you will see that this business has a very long history of violating state and federal debt collection laws.
Consumer complaint received 2024-08-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX Phone : XXXX XXXX XXXX, XXXX **Re : ** Formal Investigation Request & FCRA Compliance ( Sections 604 and 609 ) To TransUnion LLC, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) with the intent to challenge the validity of specific information contained within my consumer report. As governed by Section 609 of the FCRA ( 15 U.S.C. 1681g ), I formally request that you provide all documentation, verifications, and substantiations regarding the origin of the data reported by your company. It is crucial that you authenticate the accuracy of the following account, as its presence has resulted in financial detriment and undue harm. 

XXXX XXXX XXXX Account in Question : - **Account Name** : XXXX XXXX XXXX  - **Account Type** : Other Loan - **Balance** : {$630.00} - **Monthly Payment** : {$35.00} - **Interest Rate** : 15.63 % - **Date Opened** : XX/XX/year> ( 6 months ) Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), it is mandatory that data furnishers have a permissible purpose before reporting any information. I am requesting that your agency investigate whether the original creditor had the legal standing and adequate authorization to access and report my private information. 

Furthermore, it is imperative that I receive full disclosure of all parties that have accessed this information without my express written consent. Failure to provide such documentation would be a direct violation of my consumer rights under both Section 604 and Section 609. 

XXXX XXXX XXXX  Potential Violations : - **Failure to Verify Permissible Purpose** : There is no evidence provided that demonstrates any permissible purpose to collect, report, or access my personal information under the mandates of the FCRA. 
- **Reporting of Inaccurate Information** : The account in question appears incorrect, and no lawful verification has been provided to substantiate its presence. 

Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I demand that you conduct a thorough investigation into these inaccuracies and rectify any data that can not be conclusively verified. Should your agency or data furnishers fail to meet these obligations, I am prepared to take legal action and hold all involved parties accountable for non-compliance. 

I expect full resolution of this matter within the time frames allotted under the FCRA. Kindly furnish all results of your investigation, the source ( s ) of the data, and any updated reports reflecting the necessary corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (IN)

I have an Ally Bank credit card. I've tried the last two months to make my payment early and I select the payment date as the date I am making the payment. But everytime I submit my payment the payment date changes to the due date and the payment is not processed until that date. It seems like they are fraudulently holding payments to collect more interst. Typical hold times on other bills I pay is 2 or 3 days Ally will hold my pending payment sometimes over a week.
Consumer complaint received 2024-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The company stated the account was opened in XXXX then was closed the charges off now the company is saying the account is open and is reporting an opening date is XX/XX/XXXX the company is just putting falsies information on my credit report
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (FL)

I'm attaching a letter that stats the problem. The lender reneged on their settlement they offered because they could loan because of the type of lender they were. But they offered to give the mechanic the title and XXXX dollars with our discussing with me. They for letting me have a settlement of {$950.00} and then they reneged thinking that my insurance was going to Total the vehicle I told him that that wasn't going to happen I wasn't going to allow that so they were making decisions and reneged on what they agreed to do with me and then I'm the one left holding the bag they were going to let the mechanic have it for {$4000.00} and then they were just going to cut the mechanic refuse to take their XXXX he wanted XXXX XXXX  and they were going to just let him have the title again without discussing anything with me and this is my credit and now they're showing it a charge off it looks like a repo and it's not they don't have the vehicle nobody will talk to me they hang up on me or they pass me about and leave me on hold for hours so now I need to get an attorney for this I already have an attorney with the mechanic and I have an attorney over the insurance company trying to total my vehicle when they didn't have any dog in the race so I want this off of my credit they had their chance I tried to pay my begged them and begged them and they refused after they're the ones they agreed to it the settlement so I think because I am good faith offer and tried to pay them what they wanted and because they got greedy I'm the one left on the bag it's not right it's not fair and for the credit bureaus to allow this I want every every piece of documentation and every voice conversation cuz they record I want every conversation and every written text email conversation and I want you the credit bureaus too also request that before you make a decision because if you don't see in my favor you didn't get all the information I don't want this on my credit I think what they've done is wrong so it needs to be totally removed
Consumer complaint received 2024-07-13
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: ALLY FINANCIAL INC. (MD)

I did NOT authorize ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Consumer complaint received 2024-04-23
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Moore Legal Group, LLC (NJ)

XXXX of 2023 I enrolled in a debt consolidation company who offered this great opportunity to help me with my high debt. they took all my information and my credit card info. they said i would be connected with a law firm and someone from the firm wil come to my house to sign paperwork. i found out yesterday the company is a total scam. over the last few months they took {$500.00} from me. i am now stuck with the debt, and my credit took such a bad hit. i need help. what an awful thing to do to somebody