davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
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)

UNSOLICITED HARD INQUERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

The company XXXX XXXX XXXX Account Number:XXXX has not provided any information to validate this debt as accurate and mine. The company has only provided to me a copy of a fraudulent auto loan contract which I have attached to this complaint. 

Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Consumer complaint received 2024-05-26
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. (IL)

To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by XXXX and TransUnion to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my XXXX and TransUnion credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from my credit report.
Consumer complaint received 2023-08-25
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: ALLY FINANCIAL INC. (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately.

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am the victim of identify theft XXXX is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table
Consumer complaint received 2024-05-26
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. (VA)

I am the victim of identify theft XXXX is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table
Consumer complaint received 2023-08-25
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: VYSTAR CREDIT UNION (FL)

o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX  XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Hello, I constantly get random annoying harassing phone calls daily always from different looking phone numbers. 
When I XXXX search the numbers they always relate to a debt collecting company called : Midland Debt Management. 
Here is their website : https : //www.midlandcredit.com/ I dont owe any debt - I never had a debt so im not sure why they keep calling and its very annoying specially that they NEVER leave any voicemail. 
I did a search about that company and I found out that it has a very bad reputation regarding calling random people and making them believe that they have a past debt and collecting money. 
I never answer their call and will not answer their phone call. 
I just want to report them because at this point its a harassment daily calls and even on weekends non stop. 
Im not sure what the deal is with this company but for me they are not legit and should be investigated by the FBI or other gov. agency. 

Thank you for your assistance.
Consumer complaint received 2024-05-26
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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-23
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. (HI)

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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX - Incorrect Employers XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX Incorrect Address XXXX XXXX - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name
Consumer complaint received 2019-04-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (VA)

Scott Parnell and associates, claim I owe them a debt for a student loan from XXXX XXXX XXXX. They've frozen my bank accounts until the court date which is more than a month later. I have yet to receive a summons or any paperwork in regards to this issue from Scott Parnell and associates or the court system. I still offered to pay and settle the issue, and the claim they only accepted wire transfer for settlements. That it had to certified funds.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : 1. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX I Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (MI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wanted to let XXXX about false credit reporting by XXXX for my account XXXX Solar panels have not been functional since XX/XX/XXXX, still keep on arranging by sending bills, XXXX XXXX reported to Transunion wrongfully XXXX never signed the loan amount of {$65000.00} and never received it is not ok to report to Transunion I always keep paying all bills on time. XXXX XXXX and XXXX did not provide the Solar panels that were promised. I keep paying to the electric company all the time since solar panels were installed by XXXX XXXX in XX/XX/XXXX. 

It's not fair not. What's the use of getting solar panels when I was paying more than before solar panels were installed? Good leap discontinue service since XX/XX/XXXX my electric bills are much lower still very low than with solar panels were active and very low electric bills after XXXX XXXX discontinue service without informing me. 

its not fair with innocent clients who trusted XXXX XXXX XXXX and than XXXX XXXX which providing financing to Solar company without any research, without my signature on loan documents. I request to publish this fraud on social media to save other people and stop XXXX XXXX from wrongfully doing solar business
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-26
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 have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 
and XXXX XXXX XXXX This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681e ( b )
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

I refinanced my FHA mortgage and the previous mortgage company charged me additional fees after refinance went through. They also have not released the escrow money that should be refunded to me. I spoke with a rep with their company today XX/XX/19 and all they can tell me is they do not know and it might be a coding error.
Consumer complaint received 2024-05-26
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. (TX)

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

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 informationisinaccurate.
Consumer complaint received 2024-05-26
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. (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.

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 informationisinaccurate.