davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

XX/XX/XXXX receive XXXX XXXX statement showing that I owe {$56.00}. I email them to say it was paid. I receive and email saying that the balance is XXXX and to disregard the statement. 
XX/XX/XXXX receive another XXXX XXXX statement showing that I still owe the amount. I email them again and they say to disregard and the balance is XXXX. I spend about XXXX minutes on the phone with quest. 
XX/XX/XXXX, receive XXXX XXXX statement showing I owe the same amount. I email again and am told they will look into it. I spend about XXXX minutes on the phone with quest. 
Summer XXXX begin receiving letters from CCS XXXX attempting to collect the debt. I call CCS and they say they cant use the emails I sent. I reach out to quest, and never get a reply. 
I upload documentation to the CCS website, the documentation from my bill pay platform showing the payment. I also include the emails showing the balance of XXXX. 
I get another letter from CCS not addressing the documentation I uploaded just a copy of the original bill from quest. 
I called CCS in XXXX and they said that my documentation was not legit enough and they need my bank statement. I email the bank statement and they say that is not enough and they need a copy of the canceled check. 
I request the canceled check from XXXX XXXX XXXXXXXX. Taking even more time because it is from over 1 year ago now. 
I upload the canceled check and still am receiving letters from CCS.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NV)

Under 15 USC 1681b, I dispute the furnishing of my information. I never provided written consent for the collection, use, or sharing of my personal data. Please remove any unauthorized inquiries immediately.

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted!!!

15 usc 6802 states I should be receiving options to opt in and out or putting something on my credit which I did not receive from this creditor 15 usc 1681b states you need written confirm from me to place anything on my report which this creditor did not receive from me at all
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

Hello, I took a loan from EasyPay to purchase myself a puppy from XXXX XXXXXXXX XXXX I got a loan of {$2600.00} and I had to pay an amount of {$210.00} every two weeks. It wasnt until a few months later that I checked my balance to see that my balance had went back up. I called the company and an agent told me that because I missed their XXXX promotion, my balance had went up with interest. I would not be able to pay off {$3000.00} in 90 days which is why I took the loan in the first place. 

Now Im paying my balance on time, Ive never missed a payment but my balance is barely going down because of the huge interest rate of 179.00 %! I called the company again on XX/XX/year> because I wanted to pay off my balance in full on XX/XX/year> but XXXX declined my payment because it was suspected fraud. I approved the payment and re-submitted but my payment wasnt processed by EasyPay. I noticed that in my transactions, it is indeed on their site so I called EasyPay to see what was going on and the agent told me that they havent received a payment from me and that I have an interest rate of {$6.00} everyday! I am afraid of paying off my remaining balance of {$1500.00} and Ill be charged twice because it doesnt make sense for me to see my payment from my side but not on theirs. It seems strange. I read multiple reviews on XXXX and many people are experiencing the same thing as I am about taking out a loan from EasyPay and being stuck paying off a huge interest rate. At the time I thought it was going to be an easy, harmless payment plan but now Im going nowhere. It says I have a total of 13 payments remaining but that hasnt changed in months.
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation (CO)

My pet required an emergency visit to the XXXX and because of the high-cost bill, they recommended we use " Scratch Pay '' to apply for a loan to pay the bill in installments through a third party. On XX/XX/XXXX I applied through scratch pay and was " matched '' with XXXX XXXX as a loan lender. 

I applied for an emergency personal loan and was approved for a loan of {$900.00}. Scratch XXXX advertises that their loan matches have " affordable rates, '' " No prepayment penalty. No deferred interest. '' and " XXXX XXXX XXXXXXXX, '' however after I signed the contract agreement with XXXX XXXX I received an email detailing that my loan has processed to my account as well as a payment schedule that outlined a financial plan of XXXX payments of {$160.00} beginning XX/XX/XXXX and ending XX/XX/XXXX. Immediately, I knew the math was adding up for a {$900.00} loan that supposedly had no XXXX, but regrettably, I hadn't read the agreement before signing. 

So, on XX/XX/XXXX I called XXXX lending and asked them what the interest rate of the loan I had agreed to really was. They informed me that it was over XXXX XXXX and accrued daily. I informed them that was unacceptable and they asked if I wanted to negotiate a lower rate, to which I said I did. They then told me that they could lower it to XXXX XXXX daily interest and that their loans were intended to be paid of quickly and were not long-term solutions, but even if I paid the loan off as soon as my next paycheck, they would have net an extra {$200.00} on the XXXX XXXX  daily interest, so I told them to cancel the loan. They obliged and revoked the loan money from the account. 

Though despite the fact I did not end up taking part in their services, the fact that my XXXX XXXX is as high as it is and their initial daily interest rate was over XXXX XXXX that is incredibly predatory and completely unacceptable.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

account was closed by chase XX/XX/2024 for no good reason and i was supposed to receive a check for the remaining balance of XXXX ive been given the run around its been a month and i have yet to receive anything
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OK)

I didn't realize what loan company I decided too get a loan from actually was, I've paid more to my loan then I have ever thought I would. 

My loan started of XX/XX/XXXX due from my spouse losing her job and I needed some fast cash too stabilize us I didn't realize till now how much I have actually paid to the load and even though I asked for 2 other cash advances I didn't expect too or wasn't informed properly about how much it would impact me.

they charge a 10 % fee from the addition amount that you request, then set up bi-weekly payment 's then charge a 5 % fee on top of what you pay then use the remainder to pay the loan.

I have all pay statements including bank account withdrawals to back me up in this matter due from trying to build my credit. Its now XX/XX/XXXX and my payment amount is still XXXX dollar 's and has not changed no matter how much I've been paying.

I've tried calling but they won't due anything they just try and inform me about how they operate and how they get there money, there is no help other then letting it go into collection 's or getting a small loan through a bank to settle the amount in one swoop.

I am now hurting a lot now and am still living pay check to paycheck because I wasn't informed on the impact this loan would bring.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

1 XXXX XXXXXXXX XXXX XXXX been charged off 2 - XXXX XXXX XXXX been paid 3 - XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (NV)

I XXXX XXXX am writing in regards to complaint on inquires : Certified credit rep dated XXXX, XXXX XXXX XXXX date XXXX, XXXX XXXXXXXX XXXX  date XXXX that was Unauthorized not done me. XXXX XXXX XXXX Account XXXX This account is reporting as a negative account and is hurting my credit score. According F.C.R.A section it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. XXXX XXXX XXXX account XXXX This account reports multiple late payments and Law 15. u.s code 6802 and it states that no financial institution can share a nonpublic information with a third party entity. These items are hurting my credit score please immediately remove items.
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (TN)

This was a auto repossession account which was closed in XXXX and up until XX/XX/XXXX it was showing as " Closed '' on my credit report. As I checked my credit this month, XX/XX/XXXX, I discovered this account has been reopened and is reporting as " XXXX '' 4 years after it was closed. I am a military spouse and this had caused significant stress and an extreme drop in my credit rating. In fact, this item was scheduled to drop from my credit report in XXXX, now it is like the clock has reset and I need to wait another nearly 7 years. As I understand it from the legal standpoint, if the account was closed, new late payments can not appear. They can keep reporting it as repo / charge off if a balance is owed, but that is about it. If a creditor engages in incorrect reporting, I XXXX have grounds for legal action. I am coming to you for help. I would like for the account to be removed from my report completely. I have disputed this account being incorrectly classified on my credit report but it just reset it to the date when I disputed it. This is extremely unfair and I would say illegal. I have paid over 50 % on this account prior to XXXX. 
Account is owned by XXXX Formerly XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Tel : ( XXXX ) XXXX
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. (PA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XX/XX/year>
Consumer complaint received 2024-06-07
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. (GA)

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Consumer complaint received 2024-06-21
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: Applied Data Finance, LLC (OH)

My credit has been negatively impacted due to the creditor selling my account to a debt collector without providing accurate information or following legal procedures. According to 15 U.S.C 1681 there shouldnt be any damages to my credit profile. I unauthorized sharing of my personal details, the lack of communication regarding the debt, and the absence of a 1099-C form, which could invalidate the debt.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I ( XXXX XXXX ) never signed the lease as a ( Tenant ) with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX? Now my credit profile has been damaged and we have made several attempts to remove this error that has been affecting my livelihood and ability to secure my own home/apartment. My parents ( XXXX & XXXX XXXX ) have also disputed this same error several times as they have only signed lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, even then ( XXXX ) I was only listed as ( Occupant ) and never signed any documents. With their permission I will attach their leases and correspondence from my parents in their efforts to have this issue resolved. My parents hired lawyers, credit repair companies and also submitted disputes to all bureaus nothing has changed.
Consumer complaint received 2024-08-12
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. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

With Atlantic Bay, it is saying I dispute my credit report after resolution, when I dont. So now I have to dispute that I dont dispute the report - excepting the comment that I do dispute the report. This sounds like a very bad riddle. Atlantic Bay should do the right thing, and remove inaccurate commentary. Nothing else is disputed.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am following up on a prior complaint I filed against the credit bureaus for failing to investigate my dispute regarding inaccurate information on my credit report. I filed a complaint XX/XX/2024 and they said I didn't send enough information. Though I have already sent them copies of my license, social security card and a recent proof of address I sent it again wit my most recent dispute and they failed to investigate and respond within 30 days. The bureaus nor the furnishers have done what the law states and correct or delete the inaccurate information. I am currently weighing further legal options because they have not done their jobs while violating the law and it is causing me a great deal of harm and stress.