davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Unauthorized Inquiry Dispute Dear Sir/Madam, I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX. Inquiry by LVNV Funding LLC, on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Thank you for your prompt attention to this issue. I look forward to your response.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-16
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc. (NC)

FASA has a form on file stating i owe student loan repayment for a school I never attended. Nelnet department of education which is the loan servicer has the wrong information and I'm not responsible for this repayment at all. 

On XX/XX/year> XXXX has conducted a search for the school and no records were found for the application i submitted back in XX/XX/year>. The school on file that Nelnet department of education has on file does not belong to me.
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: Self Financial Inc. (MD)

I called Self Financial, Inc about an account ending in # XXXX showing up on my credit report with XXXX, XXXX and XXXX. Self Financial told me that they dont have no knowledge of this account. This account is showing up as 30 days late for XX/XX/XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax has violated my rights of the fair credit reporting act this account XXXX account number XXXX don't belong to me this account was open on XX/XX/2024 without my knowledge i have disputed this account with Equifax and have not should me anything from the creditor that this account belongs to me
Consumer complaint received 2024-07-15
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. (PA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

To whom this may concern ; this is a response to cfpb case # XXXX. I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. 15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2023-04-20
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. (NY)

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 : XXXXXXXX XXXX # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX XXXX 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, 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 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$720.00} the original account was with XXXX XXXXXXXX and there is one more collections at XXXX XXXX XXXXXXXX. on XX/XX/XXXX with a balance of {$460.00}, the original creditor was XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (DC)

I.C. System, Inc. falsely told credit agencies that I owed a debt to a former landlord. They refused to provide verification of the debt when I contacted them via phone and stated that they had texted me information about the debt. I never saw a text with that information.

No debt was ever owed to the former landlord. The false reporting adversely affected my credit score in a substantial way.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, I disputed a collection account reported by Transworld Systems with XXXX. On XX/XX/XXXX, I disputed the same collection with XXXX and XXXX. XXXX investigated and subsequently deleted the collection account from my credit report. 

The debt in question is supposedly from XXXX, but I was never notified of it before it appeared on my credit report. The collection account was added to my credit report on or around XX/XX/XXXX. According to the credit reports, the account was supposedly opened on XX/XX/XXXX. However, one credit bureau shows it as a delinquency from XXXX and to be removed in XX/XX/XXXX, yet the account only appeared on my credit report on or around XX/XX/XXXX. 

Additionally, Transworld Systems never contacted me before placing the collection on my credit report to inform me that I was being accused of a debt, nor did they tell me of my right to dispute the debt. This violates the Fair Debt Collection Practices Act, which requires that I be notified of my right to dispute. On XX/XX/XXXX, I sent a certified mail request to Transworld Systems requesting verification of the debt. According to USPS tracking information, my request was received on the morning of XX/XX/XXXX. However, later that same day, Transworld Systems updated the collection account balance on my credit reports without providing me with any verification or validation of the debt, another violation of the Fair Debt Collection Practices Act. 

These actions have significantly damaged my credit score and created confusion and distress. I am seeking an investigation into Transworld Systems handling of my dispute and verification requests.

**Note : ** On the next page, you ask for the name of the company that contacted me. However, I must emphasize that I was never contacted by the collection company regarding this debt before they reported it on my credit report, and I still have not been contacted by them. This is a critical aspect of my complaint, as it directly violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). Therefore, I will provide the company information for Transworld Systems, but I want to clarify that stating they contacted me would be inaccurate.
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: Resurgent Capital Services L.P. (FL)

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2024-08-16
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account number:XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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: GREENSKY OPERATIONS, LLC (RI)

XXXX XXXX advertises free consultation appointments for the services and treatments you offer, including non-surgical regeneration. I received marketing material from XXXX XXXX, contacted XXXX XXXX to schedule the offered, free consultation to inquire as to what treatments are available for him. Solely based upon representations, in writing and verbally from XXXX XXXX, that the consultation was free and there was no commitment, I had a free consultation in early XXXXXXXX XXXX. I attended this appointment in good faith to discuss treatment options with XXXX XXXX XXXX. After his free consultation, I elected not to go forward with treatment ; a decision that he was reassured would result in no charges by XXXX XXXX and XXXX XXXX at the consultation appointment. To my surprise, XXXX an invoice in the mail for treatments that were not administered nor agreed to, in the purported full amount of XXXX XXXX XXXX XXXX XXXX and XXXX  ( {$20000.00} ) dollars. Greensky is not chasing me for XXXX XXXX of these funds and has put it on my credit report.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I deposited a {$1000.00} check that was from a grant that was awarded to my business and Chase decided to place an excessive hold on the funds without a legitimate reason. The funds were deposited on XX/XX/year> and cleared the originating bank the same day. I was provided proof from the originating bank that the funds had in fact cleared with a copy of the original check ( front and back ). I contacted Chase multiple times since the check was deposited and each representative gave conflicting information and flat-out lied about the legitimacy of the funds and stated the check looks like it's going to return. I went to a local branch with all of the proof and they attempted to remove the hold because they were able to see the check cleared, but Chase 's back office team refused to allow the hold to be removed and did not give an explanation. The only feedback I keep receiving is the check has to remain on hold until XX/XX/XXXX. That is a 9-day hold that makes no sense once so ever. 

Due to this, I can not pay bills or operate my business. We have to close and lose money because we can not pay any of our operational expenses.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc. (PA)

I work between the hours of XXXX. During which time, I am not allowed to take personal calls unless it is for my young daughter that is in childcare. Due to this, I have to answer all unknown calls in case of emergency. I requested 4 times in 1 week that they do not try to contact me between them hours. I continue to receive calls which start out as " My name, are you at work right now? '' Which proved to me that they are continuing to make calls to me knowing that I am at work, even having some fun with it. I asked to speak with a manager, which was met with 3 attempts at just telling me they will take my number off the call list instead of allowing me to speak with the manager. When I finally got ahold of the manager, he was no help.
Consumer complaint received 2024-08-20
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. (TX)

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXX retired military vet. In 1999, I got scrap metal in my eyes during a training mission. Since then, I have been losing my eyesight slowly each year. I am now legally XXXX. I have a walking cane and have no Drivers License in any state as I can not see XXXX foot in front of me currently. I have 100 % XXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can XXXX XXXX XXXX and I XXXX  everywhere I go, unless someone drives me. See attached my state ID, XXXX and a screenshot of confirmation emails for XXXX. 

Hard inquiries to be removed : XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - XXXX date XX/XX/XXXX I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I made a transfer from my chase bank to capital one bank. XXXX flagged my transfer and I called capital one to let them know and I was told I couldn't cancel a transfer. The morning of XX/XX/year> I signed in my account to see if my direct deposit came through and saw that my account was restricted. I called them and they said they have have decided to end banking relations with me as i am a risk factor? and that the reminder of my funds would be sent to my external account. I have called several times about my funds and I keep getting the same answer saying they are investigating my case then will send my remaining funds through mail. As of today XX/XX/year> capital one still refuses to tell my when they will send my funds. They also lied to me and XXXX my account was closed and I couldn't withdraw or add funds to said account, but XX/XX/year> they accepted my payroll direct deposit and are still holding it.
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

On XX/XX/year> a check from my credit union was sent to make a payment. The amount of {$XXXX} was mailed to XXXX. The check was cleared by XXXX  on XXXX XXXX. As of today the payment was not posted to my account. On XX/XX/year> they added an interest fee to the account. Im currently doing an investigation with XXXX  but I was told it with take XXXX additional days to resolve. I want this matter resolved and satisfied.
Consumer complaint received 2024-08-28
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)

Please REMOVE the FRAUDULENT reporting addresses, names, and fraudulent inquiries. Under the FCRA you must remove these addresses, names and fraudulent inquiries. these area on my credit reports does not relate to any transactions done by me.The attached paperwork shows all the fraudulent information in detail.