davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed these items which were opened without my permission. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items were opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XX/XX/XXXX ===========XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00}
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On numerous occasions portfolio recovery has called me ( repeatedly like numerous times daily ) saying I owe them money and if I don't pay they will file a lawsuit against me as well as threatening jail time towards me. I have mailed a few letters to them since they said I ca dispute by mail and in my letters I ask for the original creditors that I owe along with amounts due but I never get anything in the mail! Just more phone calls and then I recently received a sketchy paper in the mail saying I will be sued from them. I've been trying to fight with companies as I believe my identity had been used for a few things but this portfolio recovery company is absolutely horrible! Mind you, this specified company has a ton of lawsuits against them already for threats made against tons of people and have been ordered to cease and desist numerous times, they wont stop! 
These threats need to stop please
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Dear credit Representative I have Account that is reporting settle less than full balance that find with me I was reaching out to see if I can get this account removed the fact that it's a settle account its non-issue I would highly appreciate if you can remove this account from my credit report thank you sincerely account # XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (CA)

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items 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
Consumer complaint received 2024-05-31
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. (PA)

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


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-06-12
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: EQUIFAX, INC. (MO)

This is my third 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 accounts 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 XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2023-09-03
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. (CA)

Filed a dispute with Experian for XXXX XXXX XXXX the dollar amount shows {$160.00}. This dispute was submitted XX/XX/2023 at XXXX XXXX, by XXXX XXXX  the system automatically returned my dispute saying nothing has changed There was also the same situation that occurred with XXXX. The company reported over {$11000.00} owed on my credit. I filed several disputes and Experian denied all disputes even with relevant information. I was forced to take XXXX to court and the balance was updated per court order. The correct amount was {$2500.00}. I contacted Experian by phone and online and was mistreated and ignored. 

XXXX contacted Experian and XXXX XXXX ( with XXXX ) emailed me XX/XX/. The very next day the reopened my dispute. I have been receiving unfair treatment from Experian and theyve not investigated my disputes according to the Fair Credit Reporting Act. 

This is my final attempt to get assistance before taking Experian to court like I did with XXXX.
Consumer complaint received 2024-05-31
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. (NJ)

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Accounts Authorized XXXX Advised to Remove XXXXXXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$20000.00} XXXX XXXX BALANCE : {$800.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance {$3.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$77.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Credit Corporation (MD)

Nationwide Credit Corporation refused to give a receipt on medical debt paid unless I wait 30 days and then call them back to make the request for a receipt. 

We are not talking about letting a company have time to process and send a receipt. We are talking about a company that does not let you REQUEST the receipt for 30 days. They are ILLEGALLY hoping I forget to call them back. I see NO LEGAL reason for them not making a note of my REQUEST for a request when they take payment. 

If CFPB thinks this policy is OK, please send an explanation of what legal purpose anyone would have to refuse to allow me to REQUEST ( not receive ) a receipt until 30 days after payment is received over the phone. 

I can not clean up finances and prove that deductibles are met without the receipt. It should not be so hard for me to get a receipt. This is clearly a scam to make sure I pay more money than I should.
Consumer complaint received 2023-04-14
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: LEXISNEXIS (FL)

My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXXALL student loans fully paid off XXXX-Spoke to XXXX rep regarding student loan refund XX/XX/XXXX -- > Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- > Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- > Sent LexisNexis Consumer a request to see what they had reported to XXXX XXXX that affected my Car Insurance XX/XX/XXXX -- > realized there are 19 new loan accounts opened in my name by XXXX
Consumer complaint received 2024-05-31
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-05-31
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. (NJ)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX 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/XXXX 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 2024-05-31
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. (NC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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
Consumer complaint received 2024-05-31
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. (AZ)

I am submitting this follow up with regrads to my response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. Therefore, I am requesting more information regarding the following accounts in question : XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX