davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CA)

In XX/XX/2022 I moved residence and contacted XXXX XXXX to move service to my new residence. XXXX XXXX services were not available at my new residence, so I attempted to cancel my services and close my account with XXXX XXXX. My account was not closed and I continued to be billed months after I moved. Eastern Account System reported this account on my credit report under collections. I attempted to dispute this account through XXXX but the account was not removed.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PatientFi, LLC (NV)

We had a company called XXXX XXXX XXXX XXXX XXXX ) called a Credit company that would set us up for a 12 months interest free loan .They required credit pull & our debt card. 
in XX/XX/XXXX we received a charge for {$290.00} directly from my Bank account from XXXX XXXX as a debit, the Company was XXXX XXXX  ( never heard of them ) we disputed that charge, and continue on to pay only patient Fi over the next 11 months as the only Loan company we know, and paid off the Debt in full in less than 12 months ( attached paid in full letter ) dated XX/XX/XXXX. 
Since XXXX this year we have been called dozens of times and letters sent ( most attached ) They have very sincere it seems like but nothing resolved and feel harassed now. 
please advise. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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)

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2018-05-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (CA)

I made a settlement agreement with account control technology for {$20000.00} On XX/XX/XXXX they send a written statement on XX/XX/XXXX They called me again at the beginning of XX/XX/XXXX to tell me that the principal amount had changed to {$16000.00} and if I wanted a new settlement I agreed and the change in the amount equals the amount of the first offset {$3800.00} The new settlement came in at {$12000.00} Then there was another offset of {$5300.00} they refuse to credit this offset to the last settlement agreement argued that it went to principal and fees when we had an agreement in place
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$12.00} FXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

I set up a square account, accepted my payment from my customer that was owed because the items were already shipped out and Square up and deactivates my account with a large sum of money on hold. 

Their hold was arbitrary and capricious ; that ample proof was given to validate transactions ; that after proof was provided the resolution time was unwarranted.
Consumer complaint received 2023-05-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (FL)

I opened a dispute with Experian in reference to a 30 day late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Experian to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Experian accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 30 days late. Im requesting Experian to validate claims with supporting documents. Not verify name, address, and social security #
Consumer complaint received 2024-06-25
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (VA)

I got a car around XX/XX/XXXX and put down XXXX which then I financed the rest through XXXX XXXX. When the first payment was due they sent me the payment portal which was faulty because it would say processing but wouldn't process and then you find out later that the payment didn't go through. It would then say try again later, little did I know later wouldn't be available. They repossessed the car for default on the first payment and the contract doesn't specify how many days you have until default. After calling the company I was told 10 days by XXXX associate and 14 days by another. They even told me that it's not in the contract but it's common knowledge, even though they didn't know the if it was 10 days or XXXX themselves which tells me it's not so common. Then they told me it was not a done deal and they would call me to give me their final decision which they did call and finalized it. I lost my down payment and now have this negative remark pending on my credit report because of their flawed system and I can't help but feel scammed.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-22
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)

XXXX XXXX  is violating the truth in lending act, specifically 15 U.S. Code 1637 ( i ) ( 4 ) as I had closed a credit card account sometime last year. They have decided to report false negative information on my consumer report when the Truth In Lending Act specifically states " Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 1666i1 ( c ) ( 2 ) of this title, or the imposition of any other penalty or fee. '' They have constituted a default and my consumer reports is proof in addition to them having sharing my nonpublic financial information with a 3rd party debt collector.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I, XXXX XXXX XXXX sent a validation letter first class mail to Experian on XX/XX/2024. 

Asking them to validate the inaccurate information displayed in my credit report. Per U.S. consumer laws I called them on XX/XX/XXXX, and spoke to a handful of representatives. All of which have no knowledge of consumer law. The last being a supervisor named XXXX, who informed me they rejected my letter based off them believing it was not me making said request. She also tried to persuade me to make a dispute through their system. I stated they only have 30 calendar days, and that I wont make a dispute through their system because my letter serves as my dispute. My letter contained a copy of my XXXX XXXX XXXX, and a copy of mail delivered to my home address.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-05-23
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. (NV)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 
Furthermore, other credit bureaus have already corrected the status of the accounts mentioned above. I also contacted the companies by phone, and they confirmed the need for correction. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (PA)

Im writing to inform you of my intent to pursue legal action against Equifax for violations of the Fair Credit Reporting Act. Despite repeated requests, equifax has Failed to delete inaccurate information from my credit report, specifically acct # XXXX associated with XXXX XXXX XXXX. I have provided equifax with evidence and explanations detailing that the account in question and that it should not be inclusde in my credit report. However, equifax has REFUSED to delete this erroneous information, claiming to have conducted an investigation and verified the accuracy of the account. In contrast, XXXX, another major credit reporting agency, investigated the same account and could not validate the debt. As a result, XXXX promptly removed the account from my credit report. This stark disparity in the handling of the same information by Equifax and XXXX underscores Equifax 's failure to comply with the FCRAs requirement to report accurate and verifiable consumer information. I demand that Equifax immediately delete XXXX XXXX XXXX acct # XXXX from my credit report due to their inability to provide adequate VALIDATION of this account. Failure to do so will compple me to pursue legal action against Equifax to seek remedies for their noncompliance with the FCRA. I kindly request that the Consumer Financial Proctection Bureau to investigate this matter and take appropriate action to ensure the Equifax fulfills its obligations under the Fair Credit Reporting Act. Your intervention and oversight are crucial in holding Equifax accountable for their negligent actions in protecting consumer rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Information is being recycled through different companies, that is either not mine or sold to another company and discharged. Most if not all negative items were furnished without my permission per 15 USC 1681a,1 sec602a. Nothing of furnished list is accurate.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

Experian and XXXX XXXX XXXX XXXX XXXX both refuse to follow FCRA governing law when it comes to repeated dispute I've filed during the past 13 months to have XXXX remove a collection that is wrecking my credit. 
I read the FCRA U.S.C sections 1681 and 611, and what rights they afford the consumer to dispute a debt and have it removed from my report. In response Experian simply keeps saying " debt verified '' rather than providing a proper response based on the requests I've made. I consider the debt being fraudulently reported as a result. As the consumer I have the right to request certain information regarding a collection reported against me such a valid contract or agreement as prrof that the debt is owed to the collection agency. I do not have any contract with XXXX so I do not by law owe them anything, and according to section 1681 if a consumer challenges an account that account can not be reported unless it meets the " exceptions '' subsection. Also when the consumer requests response for specific contractual info validating the debt is owed to the collector, section 611 supports the consumers request in which XXXX / Experian must properly respond to the dispute with information stating their position, and refuting my claim. The only response from either is the debt is valid - never a response refuting the FCRA laws I've cited. I am preparing to take legal action as the lead plaintiff in a class action lawsuit given the amount of complaints filed against Experian demonstrating their egregious behavior. They have become more of a solicitor for lenders, promoting predatory financing than an agency adhering to governing law and protecting the rights of the consumer. Their global business model is profit over consumer rights. They lack transparency - the consumer has no idea what CRAs are doing in the backgroung to properly investigate a dispute and inform the consumer. This needs to stop and I hope the CFPB will back me up on exposing who and what Experian really is and their egregious practices. Finally, their practice is to use delay tactics wherever possible. Not once have they responded to me that I have mis-cited the law. Not even their legal department, which I've also sent correspondence to, citing governing law.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Inaccurate information on all 3 credit bureas violation FCRA everything should be 100 % accurate, open dates on accounts, last reporting date inaccurate, 15 USC 1681 Violation of my rights, 15 USC 1681 section 6048 violation of my rights.
Consumer complaint received 2024-09-04
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: SYNCHRONY FINANCIAL (CA)

I noticed on my XXXX XXXX report that there were XXXX hard new inquires posted since yesterday. XXXX today on XX/XX/year> and XXXX yesterday on XX/XX/year>. I have not authorized any of these inquires, nor have I applied for credit cards. I called each institution and notified them. They said they did not see any inquiries or applications but that they would make a note. 


First one : SYNCBAMAZON. Location : XXXX XXXX XXXX XXXX, PA XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Second one : XXXX XXXX. Location : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Third XXXX : XXXXXXXX XXXX XXXX. Location : po box XXXX XXXX, DE XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

I also need a letter so that I can delete these from my report.