davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 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/year>
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery LLC, also known as Genesis, is reporting a bill of {$150.00} for a property called XXXX XXXX. I contacted this company on XX/XX/XXXX to inform them that the bill does not belong to me and that they are reporting inaccurate information. The original company, XXXX XXXX, claimed that I owe {$150.00} for an additional screening fee, which they supposedly billed me after I decided not to proceed with leasing their apartment. 

There is no valid reason for XXXX XXXX to charge an additional screening fee, as I had already been approved for the unit and had paid a {$100.00} application fee. It seems that XXXX XXXX retaliated against me for choosing not to lease the unit by charging me an unwarranted fee of {$150.00}. This fee was neither necessary nor agreed upon for the additional screening. As a result, I have been denied an apartment application. 

I have requested that they remove this debt from my credit report, but I have received no response. I have also noticed that Columbia Debt Recovery LLC continues to report this debt to all major credit bureaus.
Consumer complaint received 2024-05-27
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Adjusters, LLC (MO)

SEE ATTACHED I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND FOUND SOME DEBT COLLECTIONS I AM UNAWARE OF AND DEBT COLLECTOR TRYING TO COLLECT A DEBT BY CONTACTING ME THROUGH EMAIL.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/18 I contacted Experian to temporarily lift the security freeze on my credit data. I had put a freeze on my data after the XXXX  data breach. After I answered all of Experians questions correctly, I then received an automated message that I would have to send a letter along with a ridiculous number of personal documents to lift the security freeze. Also, when the creditor did the check on me, Experian told them there was a freeze due to legislation. Experian does not have any customer service options of any kind other than a letter. How is this legal when they are making money off of safeguarding MY data? This is unacceptable. A 2-3 week ( per their recorded message ) turnaround is not reasonable for simple requests of this nature that are time sensitive.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry XX/XX/2023
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX MY XXXX ID # XXXX I SEEN FALSE INFORMATION ON MY CONSUMER REPORT INACCURATE INFORMATION : name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMAIL XXXX All rent information is false All employers info is false All income information is false ALL INQUIRIES ARE FALSE ALL EMAIL information is false I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT ALL FALSE AND INACCURATE INFORMATION BE REMOVED AND UPDATED WITH ACCURATE INFORMATION ACCURATE INFORMATION NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX EMAIL XXXX XXXX The Fair Credit Reporting Act ( FCRA ) protects the privacy of personal information collected by Credit Reporting Agencies ( CRAs ) . The FCRA was enacted in 1970 to promote fairness, accuracy, and privacy for consumer credit reports, employment background checks, and consumer investigatory reports. The FCRA requires companies to remove unverified information from consumer reports if it's disputed. Companies must also notify the credit reporting company if they can't verify the information, stop reporting it, and meet specific requirements for information that can't be verified 26 U.S. Code 7213 - Unauthorized disclosure of information
Consumer complaint received 2024-06-13
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have a Bank of America Travel Rewards Credit Card. Under this Card, I earn points on purchases for travel ( hotel, airfare, food, etc. ). I also am able to redeem points earned against these types of purchases at a higher ratio of points to dollar than for a statement credit. 

I had a recent stay at a small hotel in XXXX ( XXXX XXXX XXXX XXXX, MO ). I also have approximately XXXX points that would equal approximately XXXX XXXXXXXX in credit against this hotel stay. I have been advised by Bank of America that the hotel stay is not eligible, but no further explanation as to why. An escalation agent surmised that the rewards for hotels are used against larger chains ( XXXX, XXXXXXXX XXXX ). However, the rewards program is not presented that way to the public. 

This is a XXXX violation by Bank of America. I'm attaching screenshots of the " How it works '' section of the website. As shown, it appears to be very straightforward that credits can be applied to, XXXX. First, use your Bank of America Travel Rewards card to pay for travel and dining purchases - flights, hotels, vacation rentals, and more, as well as restaurants and takeout. 
XXXX. Then, redeem points to cover the cost of all or part of your purchase. 
XXXX. Receive your reward as a statement credit to your Travel Rewards card. 

There is not a limitation of hotel size or type, and my purchase should be eligible for the full value of the travel credit against the balance owed. 

It is clear that this is a hotel/lodging that should be eligible. I want Bank of America make this stay eligible for a travel credit.
Consumer complaint received 2024-09-11
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit was run without my consent On my Tranunion and XXXX report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX services XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NM)

On XX/XX/2023, I was the victim of a scam involving XXXX and the money service Zelle. I was selling a washer and dryer on the XXXX XXXX for {$520.00}. The person ( s ) interested contacted me via XXXX XXXX, asking about the price and if they could possibly pick them up that same afternoon. They asked if we could use Zelle to transfer the money from their account into mine. I agreed, and installed the application on my phone. They then told me that in order to transfer the full amount, I would have to upgrade my account to a " business account '', and they claimed that they would have to send me an additional {$320.00} for a total sum of {$850.00}. I had never used Zelle before to transfer money, and so I assumed they were telling the truth. The person I was speaking with insisted that they trusted me to refund the extra {$320.00} once the transaction was completed. I only had {$300.00} in my account, so that was what I sent them, under the belief that it was taking a while for the funds to appear on my end, as the buyer reassured me. I received a series of emails during the transaction process, claiming that I was to send them larger and larger amounts in order for Zelle to release the funds into my account. The final email was asking for my personal information, my bank account number, routing number, user name and password. I told the buyer over messenger that I was uncomfortable with this, and asked kindly if they could return the {$300.00} I had sent them using Zelle. At this point the buyer/scammer left the conversation, and in a panic I called my bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX if there was anything they could do to reverse or cancel the transfer, as it was still pending. They told me there was nothing I could do as I had " willingly '' sent the scammer the money and that I had to file the incident with the local police. I immediately contacted Zelle. They created a case for me, though they told me there was nothing they could do on their end for the same reason. Zelle customer support confirmed that the emails I supposedly received from them were not legitimate using the email addresses. The Zelle case number is XXXX. I will be filing a report with the local police.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/year>, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( Experian, XXXX, XXXX ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer.

As of XXXX XXXX XXXX, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Consumer complaint received 2024-05-16
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-16
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. (VA)

i recieved email from the bureaus saying i'm helping 3rd party to send out my dispute please delete the following account and inquiries XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-16
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Data Search NY, Inc. (AR)

The company got a writ of garnishment against me for a debt that had been previously forgiven by XXXX XXXX in XXXXXXXX XXXX XXXX  They then garnished my sons account ( that has my name on it ) and seized federal XXXX  loan funds from the account. My wife contacted them at the advisement of my bank to let them know that they took money that was protected and they hung up on her, treated her like she was stupid and laughed at her. They not 1 time attempted to help me and continued to transfer her to their part time garnishment departments voicemail. My wife left multiple voicemails and emails some directly to XXXX XXXX himself and never received a response. The writ of garnishment gave instructions to contact them if I had concerns about money that was taken, but when contacting them, they do nothing but hang up, yell and play a transfer game. This is an ongoing issue with this company that has several past lawsuits against them and had to pay XXXX in settlements already. XXXX law firm needs closed and XXXX XXXX needs to be disbarred from the Mississippi bar association along with every attorney he sends to court on his behalf.