davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Collection Systems, Inc. (TX)

I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the 2 debts in their office, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the debt, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.
Consumer complaint received 2024-01-05
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. (IN)

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602, asserts the importance of consumer reporting agencies operating fairly, impartially, and with respect for the consumer 's privacy. XXXX, XXXX and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure the protection of my private information. This right is supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. 

In accordance with 15 USC 1681 section 604 a section 2, a consumer reporting agency can only provide a consumer report if instructed to do so by the consumer in writing. Neither of these financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) nor XXXX, XXXX and Experian have my consent to share this information, written or otherwise. Therefore, any consent previously given to these entities is now revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out of such disclosure. These financial institutions XXXX XXXX XXXX XXXXXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX ) failed to inform me of this option. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it exceeds seven years from the date of the report, except for records of crime convictions. 

The adverse item being reported without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to a consumer reporting agency if one knows or has reasonable cause to believe it is inaccurate. Furthermore, 15 U.S. Code 1681e requires consumer reporting agencies to implement reasonable procedures to avoid violations of section 1681c and limit the provision of consumer reports to authorized purposes. XXXX, XXXX and Experian are not fulfilling these requirements. 

Finally, as stated in 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/year> I sent a letter requesting validation of the debt and to provide information about the debt to me, showing that I owe the debt since I had never been notified of this debt and do not believe it is mine. The letter was sent directly to Midland Credit Management via USPS certified return receipt with my proper address listed as a return address since they are reporting the wrong address for me. They signed for the letter XXXX XX/XX/year> I received a letter back from them that did not have any of the information I requested. They only sent a copy of statements. I then called them on XX/XX/year> and recorded the call which they stated they did not have a contract of the debt for me and that they could not produce any contract showing I owe the debt. They then refused to remove the debt from my credit reports unless I paid the amount. When I stated I would not pay them that amount they then offered a 10 % discount amount which I declined because they will not and can not provide any information that the debt is mine. To save time and aggravation, I offered to pay then {$280.00} since that would be close the amount I will have to pay to file suit against them in court and they declined.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: All State Credit Bureau, Inc. (MI)

Allstate Credit Bureau an unauthorized Credit pull which is illegal. Also contacting me by phone and I specifically told them to stop calling. 15 USC 1692 Its illegal for a debt collector to buy up debit from the original creditor that sold and wrote off the debt. Also this collection was removed off XXXX Credit report and put back on thats also illegal
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
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. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my Credit report I observed several accounts that I did not apply for or authorize. 

I have filed a police report and I am still unable to get these accounts removed. Please removed these fraudulent accounts from my report. In accordance with the fair credit reporting act Convergent account numbers 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. 

XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} XXXX XXXX XXXX {$6200.00}
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (AZ)

When I purchased the vehicle they had brought the paperwork to my workplace. They wouldnt let come meet them after work. Signed the paperwork for what I thought was a trailhawk. They lied and the place is taken over by someone else. The loan with Exeter finance is charging me 21 % interest since 2018 and I still am unable to pay it off. I still owe {$15000.00} on a {$21000.00} jeep. I need help and every time I call them they will not lower my payments or have any viable long term solutions. My interest rate for that state was supposed to be 7 % when I checked online. 

My loan is still listed in my old name which I had changed and they will not update either. I had it changed after I found my birth family.
Consumer complaint received 2023-12-20
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. (PA)

I have been applying for credit cards but I am being told that my score can not be computed because I have no fico score, but around 2022 I did have a fine score., now I can not apply for credit due to this fact
Consumer complaint received 2023-07-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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)

XX/XX/2024 Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. According to the Internal Revenue Service XXXX IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. XXXX XXXX XXXX ( XXXX XXXX XXXX ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I noticed since XX/XX/XXXX that you have charged off my loan on my XXXX XXXX XXXX, but I never received a 1099 for the balance you reported to the IRS in the amount {$6400.00}. Could you please forward a 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.
Consumer complaint received 2024-05-06
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. (TN)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Captial one continues to charge me over the {$8.00} late fee limit cap for late payments despite warning them of why and how its occurring due to barriers in employment. I was recently charged {$28.00} and {$39.00} on two separate occasions in late fees on both of my capital one credit card accounts. 3 months at a time.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2024-01-05
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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-05
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. (KS)

This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate these items. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (TX)

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. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I received a hard inquiry on my XXXX credit report from Capital One. The inquiry occurred on XX/XX/year>. I have not sought to open any lines of credit through Capital One or submitted any applications to do so.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I looked at my report on XX/XX/23 and realized some information continues to be reported inaccurately which is a consumer law violation. I sent out a certified letter to Experian on XX/XX/23 which was my 3rd or 4th letter trying to correct these errors and personal information. I can provide all certified letters for all previous dispute letters if needed, but Experian continues to avoid fixing these errors. I've received results over the past couple months, and nothing has changed. ( Theyre breaking Federal laws ) 15 U.S. Code 1681e ( 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 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

My credit report needs to be complete and 100 % accurate by law. If they are doing this to me, can you imagine all the other people going through the same violations. 


CAN YOU FIX THIS ASAP?
Consumer complaint received 2024-02-20
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: Incomm Holdings Inc. (MS)

On XX/XX/XXXX I contacted XXXX for a faulty card I purchased. The card will not work to make any purchases even though there was {$500.00} loaded to the card. The representative I spoke with told me a refund check would be mailed to me. I haven't received anything.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

The company just responded to my last complaint and failed to address the proper dispute. Dispute # XXXX was the complaint they claim totaled {$340.00} but it really totaled {$370.00} at the time I filed the dispute, but XXXX reversed one of the charges before they approved my dispute for {$340.00}. This was prior to the account closure. However, the dispute I'm referring to and need a check for is Dispute XXXX that totaled {$920.00}. I was told that Factor reversed {$100.00} and I still have not received that check. They said that they found the dispute in my favor but I have not received any of the remaining {$920.00} from the dispute either. There were only XXXX disputes so I'm not understanding the confusion. It's showing a XXXX  disregard for the dispute process and the company willfully refusing to provide the funds from my account that they closed without notice and without my consent. Please, detail both Dispute XXXX and it's resolution detailing all dates and amounts of all transactions ; and Dispute XXXX which was reopened XXXX or XXXX times and now has the name Dispute XXXX and it's resolution detailing the dates and amounts of all included transactions for clarity and to assist you with properly differentiating the XXXX and properly resolving this issue.