davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (IL)

Attn XXXXXXXX XXXX to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On X Date ( XX/XX/XXXX, XXXX mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have been damaged as a result of your failure to follow the law I am requesting Specified Remedy from the inquiry that was placed on my consumer report on { XXXX } by XXXX XXXX XXXX XXXX XXXX } Specified Remedy : Please send payment Via Check Payable to XXXX, XXXX to the address XXXX XXXX XXXX XXXX XXXX IL XXXX Account Name : XXXX XXXX Account number : XXXX SSN XXXX XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX FEDERAL XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX 2021
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (AP)

Transaction date : XX/XX/2022. 
Amount : {$960.00}. 

I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX I signed a non-binding agreement to purchase 2 tailored suits. However, upon finding out they were scamming and overcharging people, I canceled the order and did not go in for my measurements/fitting. The merchant, being the scammers that they are, proceeded to charge my card anyway. I disputed this charge over a month ago. The company sided with the merchant because I signed the agreement. However, the merchant NEVER provided proof that the items were delivered to me. I showed them evidence that I never even took the measurements. The credit card company outright refuses to send me the alleged evidence they collected to arrive at their conclusion. Instead, they are asking me to proof that the items were never delivered. How am I supposed to do that? The burden of proof is on the merchant as in showing signed delivery confirmation.
Consumer complaint received 2024-04-27
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)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$7900.00} XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX {$1300.00}XX/XX/XXXX XXXX {$0.00XX/XX/XXXXXXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$9300.00} XX/XX/XXXXXXXX XXXX {$4300.00} XXXXXX/XX/XXXXXXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX {$15000.00}XX/XX/XXXXXXXX {$5900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (MA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Collection from XXXX XXXX from the company XXXX XXXX XXXX CO, account ending in XXXX for {$470.00}, reported on XX/XX/year>. Per XXXX the account was opened on XX/XX/year>. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Mission, XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas XXXX I have only lived in XXXX XXXX, PR and in XXXX, MA and currently XXXX, MA.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SunTx Capital Partners (FL)

Requested original contract with my signature to verify accuracy of account which Ive never received From FREEDOM TRUCK FINANCE , LLC reason Im requesting to have this account removed from my XXXX credit profile immediately and indefinitely. XXXX and XXXX as already deleted this account due to it not being able to be verified.
Consumer complaint received 2024-08-07
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)

Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that Ive found : 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 2024-04-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation (GA)

I recently pulled my reports and noticed a company by the name U S AUTO CREDIT is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Closed '' but by XXXX as " paid on time '' how is a closed account being paid on time? Both can not be true, Because the payment history being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MA)

I attempted to apply for a Citi card online, only to discover that Citi was unable to process my application through their online system. Despite this, Citi proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to Citi, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted XXXX for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like Citi, are not typically removed from credit reports. Despite my insistence that Citi 's actions amounted to fraud due to their unauthorized access to my data, XXXX maintained that such actions are only considered fraudulent if the information is used by Citi to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at Citi XXXX. My ZIP - XXXX My Dispute Report Number at XXXX : XXXX. My Investigation ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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 2024-04-27
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-08-06
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. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX reported to my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-04-27
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. (LA)

I have received a copy of my consumer reports, and I noticed XXXX is reporting transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). I was not late because I never received a statement in the mail per 15 USC 1666B with the information required in it per 15 USC 1637B. I was not late on this account, and I want the late payment removed immediately.
Consumer complaint received 2023-08-13
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. (GA)

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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a letter from one of your offices to ask me to provide some necessary information for the initial fraud alert, which must be on because I have constantly sent the information for your company for months. It asks to send the address, Equifax Information services LLC, XXXX XXXX XXXX, XXXX, GA XXXX, which, according to my search, does not exist ; therefore, I have decided to provide it to your above-mentioned address. It asked me to provide with bold font my former names which I used in the past. Since I never changed my maidens name at all, I only can indicate my name, XXXX XXXX, even though your office might think I had other names in the past. If your office believe that I had other names, I would like to ask you to inquire them to notify those names and explanation why that office think those names have belonged to me with appropriate reasons and proof. Even though your Equifax and XXXX ask the documents both a copy of a document verifying my identity ( ex : drivers license or birth certificate ) and a copy of a document verifying your address ( ex : utility bill or pay stub ). I wonder why both credit report companies ask so many personal information. I started to believe both companies try to get the information which indicate the identity for the purpose of identity theft. Since at the beginning, I only asked to provide the copies of drivers license and social security number, I need the reason why these private companies ask the private information under what kind of legal and official reasons. I need the explanation why your office indicate that it could not locate a credit file in your database with the identification information I provided. I continuously receive the credit reports from your company ; therefore, I doubt what kind of credit file your office is looking for. Or if your office doubts the American database, I need to provide the legal document from the XXXX government to prove my identity. I request why your office could not locate the database of me, XXXX XXXX, whose nationality is a XXXX. Since I strongly believe I just need to provide the copies of drivers license and social security number, I send with this letter ; even though I have sent almost 10 times to your company. If your company think I need to identification proof as a XXXX nationality, you need to send me the proper and legal document to bring it to XXXXXXXX XXXX in XXXX XXXX XXXXXXXX to explain the situation. 

Sincerely,
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eads Murray & Pugh, P.C. (IN)

I received an email from debt collector Wads Murray and Pugh Company saying I owed over {$6000.00} to XXXX XXXX XXXX debt. I disputed the amount in email, which was the way they sent my notice, within a week. I never heard back from them u till I received an email for a court judgement. In this filing was the debt they said I owed. They did. Or respond timely to my dispute of the debt amount. They said something about waiting on the HOA. 

I sent them a second dispute and advised them I was filing an action against them. I did t get the disputed amount I till after the court the filing. 

XX/XX/XXXX received email from XXXX XXXX saying I owe Over {$6000.00}. 
XX/XX/XXXX I disputed the amount officially XX/XX/XXXX I disputed the amount again since I had not heard from them XX/XX/XXXX XXXX XXXX replied she never received a request XX/XX/XXXX I received a court judgement withe attachments. For foreclosure!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 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 the 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 [ 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. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX