davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

*Received notification of debt dated XXXX from Phoenix Financial Services Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX # XXXX PHX Acct # indicates XXXX On their form indicated " Write for and ask for the name and address of the original creditor-we must stop collection until we send you that information. You may select the form and check the box to send me name and address of original creditor '' On XX/XX/XXXX I wrote to them and filled out their form asking for information, 4+ months later I have received nothing around the original creditor nor detailed information. 
The " alleged '' debt is from over 2 years ago and I have not seen any communication nor details as to what comprised this " alleged '' debt. Just a notice which states you owe X.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

All of these hard inquiries were not authorized and I am a victim of identity theft I would like them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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. (PA)

I have been checking my credit report almost every hour since the first time such discrepancies appeared on my credit report. This time, I noticed that there are currently fraudulent inquiries and I'm why this keeps happening to my report but please thoroughly check the documents I've sent so this thing won't happen to me again in the future.
Consumer complaint received 2024-07-24
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. (PA)

I checked my credit report hoping to see it just the way it is, but I was met with disappointment because of the unauthorized inquiries that are reporting there. I don't have any idea why they're on my credit report nor have I authorized those inquiries to be on my file. I am kindly asking you to please check the documents I've sent so that this thing will never happen again to me.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been checking my credit report almost every hour since the first time such inaccurate accounts appeared on my credit report. This time, I noticed that an inaccurate account is currently being reported on my credit report. I have no idea why this keeps happening to my report but please thoroughly check the documents I've sent so this thing won't happen to me again in the future.
Consumer complaint received 2024-07-26
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)

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information. 

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared. 

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Consumer complaint received 2023-10-28
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. (PA)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX 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  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (MD)

Im reaching out due to some confusion regarding my account. I initially contacted XXXX about arranging debt repayment for XX/XX/2024, and was informed that my account had been transferred back to Jefferson Capital. However, Jefferson Capital has since told me that XXXX is handling my account. 

Recently, Ive been receiving several text messages from XXXX and a text from XXXX about my XXXX account, which is causing additional confusion. Im feeling increasingly harassed as I try to resolve this issue, and it seems Im getting the runaround.
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MD)

Cash app is deliberately playing games with me. I have XXXX different individuals emailing me stating they need more documents. The documents cash app have requested I have enclosed several times. I have submitted Proof of tracking number that merchant received their product back for refund I have enclosed several emails from merchant indicating refund was processed Ive enclosed the cash app transaction I have enclosed the cash app card used for transaction so what more does cash app need what I had for dinner before placing my order. This is ridiculous its apparent cash app should see the transaction of {$89.00} being deducted on XX/XX/XXXX or XX/XX/XXXX so if merchant is saying a refund was processed than there should be another transaction via original form of payment a refund going back to cash app because a successful refund transaction requires XXXX transactions I will never ever use cash app I will file a lawsuit for punitive damage stress this has caused me I even enclosed an email from merchant saying theres a {$15.00} dollar penalty for returning their item which would hv made the refund {$74.00} cash app continues to say order was fulfill how when the item was returned and no refund has been submitted after 30 days I hate cash app publish this please the company name is A few vibe I ordered a pair of men shorts brand fear of XXXX essential XXXX  XXXX size XXXX  this is all the frivolous documents requested and I have submitted them XXXX times company even offered a 15 % off my next order which I declined that email was also enclosed what more can these XXXX XXXX need
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf. Upon reviewing my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-09-27
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. (TX)

I am writing in reference to an account that is currently being reported by XXXX XXXXXXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report.

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report
accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law.

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.
Consumer complaint received 2024-07-26
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. (FL)

Dear XXXX, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 

XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The account type is different from Equifax XXXX Equifax has no account type- It's a violation because all three are not consistent -The date opened is different from Equifax- It's a violation because all three are not consistent -The high credit is different from XXXX 's a violation because all three are not consistent -`An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from Equifax- It's a violation because all three are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and Equifax-It 's a violation because all three are not consistent -The 'date of last " payment is different from Equifax-It 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing XXXX payment history, Equifax is showing all Oks except for XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX but your company XXXX This account shows that it was XXXX in XX/XX/XXXX since the account has repeatedly been updated as charged off every month. This an update in the payment history. A charged off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

please see attachment as proof
Consumer complaint received 2024-07-27
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)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports immediately
Consumer complaint received 2024-07-27
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. (FL)

I have submitted multiple disputes to equifax, XXXX XXXX XXXX  They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.
Consumer complaint received 2024-07-26
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. (NJ)

XX/XX/2023 Dear Equifax This letter highlights an error that was discovered in my most recent credit report, related to the account listed below : Account : XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 

I am concerned about this inaccuracy in my credit report. Making a mistake like this could damage the account 's financial reputation. 

To top it off, this error is concerning. One expects that critical data that influences important financial choices will be handled with extreme caution to guarantee accuracy. The existence of this error raises questions about how effective the procedures used are. 

Pointing out that customers have the ability to dispute and have errors in their credit reports removed is crucial in light of the Fair Credit Reporting Act ( FCRA ). Customers have the specific right to contest information in their credit files, and Section 611 of the FCRA requires credit bureaus to look into the contested items. 

In keeping with these goals, this letter requests that the recognized error be fixed and my credit report 's accuracy be restored in accordance with the FCRA 's Section 611 requirements. Feel free to get in touch if you require any more details or clarification. I appreciate you giving this urgent matter your attention. 


Here 's the law US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Best regards.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I never benefitted from these items on my credit report that have resulted from fraud. I have reported them to the federal trade commission but they are not removed from my report.
Consumer complaint received 2022-05-04
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: CURO Intermediate Holdings (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.