davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent a payment via swift attached to a federal credit union payment and it was not accepted the provided confirmation code is traditionally in there positional series I am a XXXX series banker thergoing unpaid and have not been able to pay my bill the legal assigned way.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MT)

I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Can you please remove the following accounts from my credit profile because they are wrong. They go against the following codes, XXXX5 USC 1681 b, 15 USC code 1681, chapter iii, they are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXThere is these inquires that I have no Idea who they are can you please remove them they are, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I don't know who these company 's are can you research them and than remove them from my credit report and send a copy of my credit report to me.
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

ACCOUNT NAME XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) Account # : XXXX ACCOUNT NAME XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (GA)

Account # Ending in XXXX XXXX Days Past Due : XXXX Amount Past Due : {$800.00} To whom it may concern, I am writing in reference to my auto lender Global Lending Services. I reached out to the lender several times explaining Im currently unemployed since XX/XX/year>. I further explained that its been hard to find work, provide shelter for my daughter, and supply food for us. I sent a hardship letter explaining this as well. This same company has wrongly repossessed this same vehicle in the past when payments were being made on time. I only have 4 payments left. They have tried using scare tactics to fear me of a repo, and have also hassled family members as well. Im sick of the harassment and everyone explains they understand inflation because theyre experiencing it themselves. Ive explained that I wont allow the car payment to be 3 months behind if they allow me more time to get caught up, while working odd jobs here in there. Please let me know if you can assist with this issues. Its embarrassing enough and my family members are tired of the harassment as well.
Consumer complaint received 2024-05-08
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)

I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ).

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, 599 F.2d 341 ( 9th Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within XXXX days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within XXXX ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

XX/XX/2021 ( credit Collection Service ) Progressive XXXX is reporting inaccurate information on my credit report. I do not owe this balance and I have requested that this creditor remove this inaccurate information immediately.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation (NV)

I was having a problem trying to get a hold of one main to pay my car payment. Phone either disconnected or changed. So I emailed them several times stating needing to contact them so I could make payment. Them get papers mail shortly on stating they were going to garnish my wages. So starting on XXXX they started taking out between XXXX to XXXX a week out of my check. They wanted the amount of XXXX total after all.fee and etc.. However I didn't owe that much left on my car. Maybe around XXXX give or take. Well the garnishment end date was XXXX. They say I still owe around XXXX when it was completed and it still on my Credit report. They are still trying to garnish my wages for the 2nd time. They also have had the vehicle since the garnishment It was Repo. I have been trying to get all this cleared up but have had no luck at all.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior Huntington Bank checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. Huntington has confirmed that they recycled my Huntington Bank checking account ( account no. XXXX ) and that this account is now with another consumer. However, Huntington will not return my funds. I have been trying to coordinate with Huntington for almost a week, but they refused to transfer back my funds.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute a discrepancy regarding my real estate loan with XXXX Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/year>. I wish to bring to your attention that this discrepancy was addressed during the XXXX pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all three major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Consumer complaint received 2024-05-08
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Upon checking my credit file on Equifax, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. XXXX is with XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card # XXXX. This is a case of IdentityTheft. Please remove this account from my credit file.According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say call bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my Equifax Credit file. I also request a credit report from Equifax credit Bureau send at my residence XXXX XXXX XXXX, XXXX, XXXX  XXXX... ..... I have also attached XXXX  report for this.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
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. (NY)

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 information is inaccurate.
Consumer complaint received 2024-05-08
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 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 XXXX 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 information is inaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX has placed an account on my credit report stating that I owe them almost XXXX and I do not. They refused to service their equipment in 2023 and then placed monies on my account stating that I did not pay a bill. The equipment went out and they did not fix it. I called and sent their letter ( that they sent me ) stating that I do not owe them any money and they still will not take the amount off by credit report. 
XXXX XXXX
Consumer complaint received 2024-05-08
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. (TN)

I contacted Equifax and requested a credit report. While looking over that credit report I noticed some Hard Inquiries. Some have permissible purpose, some do not. According to 15 USC 1681B if these do not have permissible purpose they shouldn't be on my credit report. Please remove the following Hard Inquiries listed on my credit report that do not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX