davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NE)

By checking my credit scores I discovered that Genesis collection agency was attempting to collect. I called them and was told it was for an apartment I rented in XXXX. I made multiple calls getting transferred and cut off. On XX/XX/XXXX of XXXX received information to file a fraud claim which includes a copy of mortgage statement or property tax report, a copy of my driver 's license, a notarized copy of FTC complaint and a copy of a police report to prove I lived somewhere else during the term of the lease. I called and asked for a copy of a signed lease in XXXX and was told they couldn't give it to me because my name wasn't on it. Unable to get that, I was stuck. Genesis had an incorrect street address, email address and phone number. They now have the correct phone number because I called them and a correct email so they could send me fraud forms. I continued to get phone calls and emails regarding the debt and continually asked for mor personal information which I refused to provide. I hired XXXX XXXX to assist in getting this removed and they have been working with XXXX, XXXX and XXXX. Today, XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC dba Genesis with a copy of an unsigned lease with my name on it and a list of charges. I hesitate to give them more personal information - mortgage/tax statement, driver 's license, etc. Also, the FTC doesn't provide a notarized copy of my complaint. I need help with this and am trying every avenue I can think of. Sending a redacted copy of lease they sent showing first page with my name and signature page showing it is not signed.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

The following inquiries are incorrect and should be removed : 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 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (MD)

This is a matter of a purported debt owed to their agency, which I adamantly contest and refute. It has come to my attention that this agency has been pursuing collection efforts against me for an alleged debt, despite the absence of any contractual agreement between us. 

I want to make it unequivocally clear that I have not entered into any contractual agreement with this agency, nor do I acknowledge any obligation to pay the alleged debt. Furthermore, I assert that the basis of their claim is fraudulent and in violation of consumer protection laws.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I made a transfer through Western Union and filled out the information based on what I had from my provider. Western Union claims that they delivered the money within the estimated date. However, my provider says they never received it, and it has been more than 10 days now without any news about the money I sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (FL)

This account personal information and my address is not correct and this account needs to be removed from my personal credit for 30 days. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CO)

Purchased an item on XXXX XXXX from a distributor. Item turned out to be fake, which is the definition of fraud. Discover refuses to open a dispute on the grounds that item quality is not a disputable category even though sending a fake item is wrongful or criminal deception intended to result in financial or personal gain
Consumer complaint received 2024-05-06
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 3rd party. They in fact did not come from a 3rd 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 2024-05-06
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. (TX)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-06
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 have requested documents from the companies listed. They first sent verification papers but no original purchase agreement nor did I receive 1099 information for my taxes because the account was written off on taxes and they never sent the 1099 as requested.I want these accounts deleted as soon as possible for violations of the FCRA
Consumer complaint received 2024-05-06
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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 2024-05-06
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX : Dispute XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX hereby issue this formal authorization to Equifax to remove the following inquiries from my credit report : Inquiries : Date : - 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 have recently communicated with a representative from Equifax who has provided guidance on the necessary procedures for such requests. 

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX : Dispute XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX hereby issue this formal authorization to Equifax to remove the following inquiries from my credit report : Inquiries : Date : - 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 have recently communicated with a representative from Equifax who has provided guidance on the necessary procedures for such requests.

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity.

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-06
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. (OH)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked late XXXX XXXXXXXX has refused to remove this from my credit report.
Consumer complaint received 2024-05-06
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)

All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX  This account does not belong to me. 
XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX there was a letter sent to equifax asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-06
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)

I am writing to formally address a serious matter involving XXXX XXXX XXXX and XXXX XXXX XXXX. It has come to my attention that my personal information was unlawfully sold to XXXX XXXX XXXX by XXXX XXXX XXXX, a flagrant breach of consumer rights and privacy laws. 

Moreover, I have been subjected to harassment calls, which constitutes another violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am invoking my rights to demand an immediate cessation of all collection activities pertaining to the account associated with XXXX XXXX XXXX Account # XXXX. This encompasses any form of communication or reporting of this account to consumer reporting agencies. 

Furthermore, I wish to underscore that any attempt to involve attorneys in this matter would compound the violations of my rights under the FDCPA, as delineated in FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. It is imperative to recognize that false representation or implication of legal involvement is strictly prohibited under this provision.

Additionally, I am cognizant of my entitlements under the FDCPA 813 [ 15 USC 1692k ], which stipulates damages of {$1000.00} per violation. Therefore, I demand the immediate deletion of the account linked to XXXX XXXX XXXX Account # XXXX, along with a complete cessation of all collection activities. I urge strict compliance with the FDCPA to avoid further legal ramifications. 

Please be informed that failure to comply with this demand within XXXX calendar days will necessitate escalated legal action to safeguard my rights under the FDCPA.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

My card was taken back in XXXX I disputed chargers I was given a provisional credit and they denied my claim and have taken credit back. They refuse to pull up ATM footage. They claim I authorized transaction bc whoever has my pin but my pin was mauled to me as well. My account is XXXX  error drawn by XXXX and bow they have taken my check and put it towards overdraft
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-05-06
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I ask Transunion for original contract information they received from XXXX XXXX XXXX, and XXXX, I never received anything mailed from Transunion. The only thing I've been receiving from Transunion through email are offers to apply for credit cards. I know that all three credit bureaus use the same codes XXXX deleted XXXX XXXX, XXXX and XXXX, Transunion Updated my account and verified with the same inaccuracy. This XXXX?
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/2016