davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 XXXXXXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Per the FCRA as a Federally protected consumer. I am now opted-out of any and all authorization I the consumer may have given you ( written, unwritten, verbal and nonverbal ) per 15 USC 6802.
Consumer complaint received 2024-05-17
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. (FL)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed are inaccurate in terms of reporting, with inaccurate amounts and dates.
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please on my trans union and XXXX credit report there's still 1 delinquent account on my credit report but when you check XXXX there's no delinquent account on my XXXX. Also when you check the payment history of the XXXX XXXX  it shows I havent missed any payment from there because they fixed it but trans union and XXXX dont want to update the credit report. I kept contacting them messaging them to update that one late payment on my account because XXXXXXXX XXXX updated remove the late payment and the account is been paid off since XXXX. Please I want trans union and XXXX to update my account and removed the late delinquent they have on my account, because when you check the payment history from XXXX it says XXXX missed payment so I dont know why they dont want to update my credit report. Pleased here is the Closed account information, XXXX XXXX XXXX, Missed payment XXXX XXXXime 30/60/90 days late XXXX Remarks closed. please this is the information. XXXX already updated the account information but trans union and XXXX dont want to update the account information.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 XX/XX/2023 Lvnv funding
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: JPMORGAN CHASE & CO. (PA)

I was contacted by a local agency on XX/XX/year> to call this phone number. Another agency had contacted my mother 's phone with this same number under the threat of them contacting my place of employment. 

The phone number is ( XXXX ) XXXX and the company is called XXXX Calls or something like that. 

A representative named XXXX XXXX said he has my name and social secutiry number and is collecting a credit card debt for ChaseXXXX, which I had 20 years ago before. He even had my social secuirty number. 

He threaten to serve me court papers unless I pay off the debt of {$3000.00}. I told him I would have to get a personal loan when the bank opens on Monday. He gave me a deadline to have the money by XXXX. 

I spoke to the loan office and she said I would need a written statement of the debt before they would mail them a check. 

When I called back on Monday and ask for the written statement, the person said they had already sent a letter which I never respond to. But I told him I never received a letter and asked when it was sent. He asked me why I never paid off my responsibilities and also threaten to " expose '' me to everyone including my employer. 

Since this person used a hostile tone and never said anything about taking legal action, I knew this was a scam and hung up. 

I am writting this to let everyone know, especially someone from the federal government, about this sleezeball who is trying to shake me down based on faulty outdated information. I certainly had already paid all my old debts off and rebuilt my XXXX XXXX, and I will not be threaten like this ever again.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VEROS CREDIT, LLC. (FL)

XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment. 

Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I have been trying to contact the company to try to rearrange the payment plan. The website is not allowing me to log in and when I try to call the listed number, it acts like someone picks up but no one will answer
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-02-04
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)

In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is XXXX, Equifax, and XXXX. Under 15 USC 1681 section 623 it 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. '' In XXXX XXXX report it shows that I only have XXXX hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), in Equifax it states I have only XXXX hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and XXXX shows that I have XXXX hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " 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 '' there must be a maximum possible accuracy of my consumer reports across all agencies.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-08-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (OK)

Delete from Consumer report agency XXXX XXXX XXXX / XXXX XXXX XXXX XXXX DEPT OF ED / NELNET Reported : XXXX. XXXX, XXXX  {$3000.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$7500.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$3900.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$5000.00} In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, XXXX  {$8400.00} In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$6000.00} + In good standing I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 15 usc 1611 LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part A 1611 Quick search by citation : Title enter title Section section 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes 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, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make monthly payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Consumer complaint received 2024-02-04
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)

XXXX XXXX Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Consumer complaint received 2024-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (MD)

In early XXXX, XXXX, I received a letter from General Revenue. That letter gave me until XX/XX/year> to request verification. I must add that I received this letter subsequent to a phone call with one of their representatives, XXXX XXXX, who made a XXXX statement to me. On XX/XX/year>, I made a verification request on their website and I also faxed them a letter to that same end. 

Today, XX/XX/year>, I opened a letter designed to harass me. The letter, dated XX/XX/year>, says that General Revenue recently spoke to me to establish a payment arrangement and mailed me a form to set up such payments. That is patently false. I NEVER spoke to General Revenue about anything and they NEVER sent me any forms at all. It is my understanding, supported by their own correspondence that they can not pursue collection activities for 30 days following my verification request. This letter is dated XX/XX/year>. Even if, as they suggested during a phone call, that the system randomly generated this letter, they should have waited 30 days to send it. 

This is a prima facie case of harassment and should be dealt with as such. At a bare minimum, I want and expect an apology from General Revenue.
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (PA)

XXXX XXXX breached a lease agreement with me. There was a verbal negotiation that allowed me to vacate the apartment ease on XX/XX/year> without any penalty. All debts outstanding were current and satisfied. They never responded to repeated attempts to communicate anything. Suddenly I started receiving letters stating I owed them almost {$2000.00}. which was false. After further attempts to contact them, I was forced to send a cease and desist letter to them alleging fraud. I had to contact a lawyer and the matter is in current pending litigation. I was notified by Innovative Recovery Inc. that tried to collect a debt which I promptly disputed with them. On XX/XX/year> they went ahead and falsely reported this claim of debt to my personal credit report adversely damaging my score. Now it will escalate as I take this very seriously.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have late payments from XXXX  XXXX XXXX and JP Morgan Chase Bank on my credit report. I have been on time for 99 % of my payments. The month that reports a late payment was due to an XXXX  payment issue with my bank and I was never notified about it. 

These creditors engaged in unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b, it is a billing error I did not receive a statement XXXX  days before the late payment error. If a finance charge was included there should be no late payments pursuant 15 USC 1605 ( a ), due to a finance charge bringing the sum of all charges current I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-04-17
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. (MA)

Contacted experian to remove unauthorized inquiries in accordance with FCRA. i was redirected to call another number for inquiry removal at which time the representative told me they could not be removed from my consumer report
Consumer complaint received 2024-02-04
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-04-17
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.