davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

A few months ago, I examined my credit report and discovered inaccuracies regarding the EXETER FIN account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

My name is XXXX XXXX i am using BETHPAGE secured CREDIT CARD XXXX when i open account they promise to me after year my card will be regular card automatic even i have proof of flyer advertisment which is fake advertisment some thime show double charges same trasaction charge payment twice my bill amount many time if i ask issue me refund no anyone take action only make me fool or provide diffrent phone number call there trasfer cals more then hour then finish they are small poor credit unioun greedy of money simply fraud with people now i understand why people like big brand banks they not respect of customer
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

After reviewing my credit report I see an account that I have no knowledge of listed on my credit profile stating that I owe a balance of {$1500.00} and that this account was opened in XXXXXXXX XXXX XXXX with the payment collection summary showing it was open XXXXXXXX XXXX XXXX. First question is, which one is it? Secondly, i will like to know where XXXX XXXX is getting this false information from and why it is being reported with XXXX different collection months on my credit report. It is showing that they bought a debt from XXXX XXXX but I will like to see proof with my wet signature that this account was opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX perhaps I am kindly requesting that this negative tradeline be removed from my credit profile immediately
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

This is a follow up to Complaint ID Number XXXX I have sent XXXX email messages to Venmo to close my account and completely remove all my personal information from their databases. I advised them that in the event there was an unfortunate breach of their systems, I would be affected yet I am no longer XXXX of their customers. Venmo went silent on me despite the follow up message. I would like them to confirm in writing that they have removed all my information from their systems. I should not be able to log into the account yet I still can and the banner states " Your account has been suspended ''
Consumer complaint received 2024-05-07
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. (CO)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

Complaint # XXXX Reference # : XXXX ; XXXX A complaint was filed XX/XX/24 for XXXX accounts listed on my credit report from LVNV Funding and Resurgent . A response was received on XX/XX/24, in the attempt to validate the debt. 

Please let me inform you that the fact that a debt is owed doesn't give you legal right to collect on a debt. 

According to Florida 's statues of limitations, these accounts are passed the statues of limitations. You're reporting inaccurate information on my credit report which is a violation of the FDCPA and 15 U.S.C 1681. " Immediately remove any derogatory reporting to the credit reporting agencies within 7 days or consider this as a contrastive notice of impending legal action.
Consumer complaint received 2024-07-15
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: Resurgent Capital Services L.P. (OH)

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. I was reviewing my credit report and seen The company resurgent receivables Have violated my rights my rights have been violated law FCRA section 605B states That it is illegal to report anything on my credit profile without my permission delete this immediately
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I have a previous complaint and dispute with XXXX XXXX XXXX with a fraudulent debt collection attempt in the amount of {$910.00}. 
This account was sent to debt collection agency XXXX XXXX XXXX. 
I submitted to them my identity theft affidavit and they recognized this and closed the account and ceased collection on it due to the fraudulent nature of original creditor XXXX XXXXXXXX XXXX 
Now I have the same debt being pursued by LVNV funding LLC. 
Again, this account was reopened fraudulently by XXXX XXXXXXXX XXXX and I am not responsible for this and have all the documents to support my claim. 
I am asking LVNV funding to recognize this debt and immediately cease and desist and remove this collections account. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-14
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: DISCOVER BANK (FL)

I have disputed this account several times and notifying the original creditor that this account was opened during the time I was XXXX. The address they have listed I have never lived in the state of XXXX only XXXX I have supplied certified court documentation of my XXXX time in XXXX XXXX and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included XXXX XXXX  and still no resolution.
Consumer complaint received 2024-07-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

Amsher Collection Serv is reporting inaccurate information to the three credit bureaus ( XXXX, XXXX and XXXX ), in regards to a debt I do not owe and which I had no knowledge of prior to the collection appearing on m credit report. I " am not liable for this debt and do not have a contract with Amsher Collection Serv. I have made contact with the original debtor " T Mobile '' and they have confirmed that I do not any any outstanding balance with them. To this day Amsher Collection Serv has not provided me with a original contract or any proof of debt. 

This negative reporting has caused my credit to be affected tremendously. All of my accounts are in good standing and this is the only collection that appears on my credit report. Although, I do not have any other negative items on my credit report, due to this error by Amsher Collection Serv my credit score has decreased by over XXXX points. To make matters worse, some of my current creditors that I have a positive history have lowered my available balance and denied me additional credit. I " am requesting the immediate removal of this collection from all three credit bureaus ( XXXX, XXXX and XXXX ).
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX Trans Union has sent me a copy of my report, stating that XXXXXXXX XXXX XXXX account number XXXX was Verified and updated. This is incorrect Transunion has reported on my credit report, that the date account opened is XX/XX/XXXX and date account closed is XX/XX/XXXX this is a violation 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. By reporting a inaccurate report on my credit report is a violation to me, Congress made it clear that Credit Reporting Agencies must be 100 % accurate no exceptions made. 
I've Downloaded through CFPB Portal the inaccurate Dates that is shown on my Credit Report.
Consumer complaint received 2024-07-13
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: TRUIST FINANCIAL CORPORATION (IL)

I have hard inquiries on my report that I do not regconize! The only XXXX i regconize is the XXXX from XXXX and thats where I purchased my vehicle from, the rest were not authorized by me.
Consumer complaint received 2024-05-07
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)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-05-07
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. (IL)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I hope this message finds you well. I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I recently reviewed my consumer report and noticed several inaccuracies that need to be addressed. Specifically, there are closed accounts on my credit report that require further investigation and correction. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information. However, my consumer report contains the following inaccuracies : Discover Bank ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$560.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$3600.00} Highest Balance : {$3700.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In addition to the inaccuracies in the account details, I have also noticed that several of my consumer rights have been violated. According to the FCRA, specifically 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. Therefore, any late payments that I am not responsible for should not be reported on my consumer report. 

I am aware of several other consumer rights that have been violated and am prepared to pursue civil liability damages that I have suffered as a result of these violations. Please investigate and provide proof with statements showing the accuracy of these reported accounts. If proof can not be provided, I request that the inaccuracies be corrected and DELETED so the accounts wont hinder my life. 

Thank you for your prompt attention to this dispute. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your swift resolution to this issue. 

Sincerely, XXXX XXXX