davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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)

I filed with your agency approximately three months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how Equifax validated these accounts within the designated 30-day period. 

I am deeply concerned about the prolonged and frustrating nature of this process, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXXXXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Date Opened- XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX DEPT OF ED/ XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX. 
Account # XXXX Date Opened XX/XX/XXXX In addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.
Consumer complaint received 2023-08-16
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: Bayview Solutions LLC (NC)

XXXX ALLOWED THIS COMPANY, BAYVIEW SOLUTIONS TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX Bayview Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my XXXX Credit Report on XX/XX/XXXX. It has come to my attention that Bayview Solutions LLC has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that Bayview Solutions LLC compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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 : DEPTEDXXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NC)

This rental debt is not XXXX, I moved out of these apartments XX/XX/2021. THE XXXX XXXX  OF XXXX NC PAID XXXX TOWARDS THE CURRENT BALANCE AT THE TIME, WHICH WAS XXXX. I MOVED OUR, AND SOMEONE MOVED IN IMMEDIATELY AFTER ME MAKING ANY CURRENT MONIES OWED ON THE LEASE NULL AND VOID. PLEASE REMOVE THIS OFF MY CREDIT AS THIS IS NOT OWED.
Consumer complaint received 2023-05-11
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. (NJ)

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. 

XXXX : XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX : XXXX, XXXX CARD : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

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 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Credit Systems,Inc. (IN)

XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.
Consumer complaint received 2024-05-10
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)

Hey guys, you are reporting inaccurate and incomplete credit information. I am distressed and angry that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
I was reading today that the Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I received an XXXX negative collection from Lockhart, Morris and Montgomery. The report number is XXXX. I requested they verify and provide me with medical information showing that this is my debt. They did not provide me with anything. I don't see how they could even verify anything with a third party considering they legally can not violate HIPPA. 

I am requesting this negative collection report be removed from my credit report.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

Debt was charged off XX/XX/XXXX and accounts were settled in full on XX/XX/XXXX for {$5000.00}. Letters were sent to XXXX XXXX XXXX representing XXXX, XXXX. on XX/XX/XXXX acknowledging a signed settlement agreement as well as full payment of settlement. Companies were also notified on XX/XX/XXXX that I was represented by XXXX XXXX of XXXX XXXX XXXX. Even though the company was well aware that I was represented by counsel they still continued to contact me as demonstrated below. 

In XXXX, XXXX I started receiving collection calls to my home phone as well as my cell phone number from Unifin , Inc. a collection company attempting to collect on the above debts that were previously settled. I have received nothing in writing from this company prior to the collection calls nor afterwards. I have been sent no proof of debt. Proof of debt has been requested.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (TX)

I made an online payment from my XXXX checking to pay my loan from American Express for {$800.00} on XX/XX/2023. Please see the attached that has information such as XXXX account number, File transmission date, trace number, and transaction ID.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : The Bank claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, The XXXX XXXX XXXX XXXX provided false information to the credit agencies.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : XXXX XXXX claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, XXXX XXXX XXXXXXXX XXXX XXXX provided false information to the credit agencies.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : XXXX XXXX claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, XXXX XXXX XXXXXXXX XXXX XXXX provided false information to the credit agencies.
Consumer complaint received 2024-04-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Management Corporation (UT)

I enrolled in a debt consolidation which included this debt from regional finance. Regional finance contacted the debt consolidation company then called me and told me it was illegal for me to enroll the debt I had with them. They told me this on 2 occasions. They were also harassing me with calls both on my personal phone and at my employer even though I told them who to contact to resolve the debt.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NM)

My apple card through Goldman Sachs is reporting a late payment for XX/XX/year> and XX/XX/year>. I have had this account for a very long time and had no issues. During this time I had paid the account in full and did not see any upcoming charges. However, I guess there was an interest charge after I had paid my account I was unaware of. I didn't notice or get a statement during this time and did not know this went past due. It was a small amount that I could have easily paid but I was never notified and I thought the account had a XXXX balance. It wasn't until I looked at XXXX XXXX that I noticed this.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CO)

My mortgage was transferred from XXXXXXXX XXXX to Roundpoint mortgage. In the process of trying to set up biweekly payments, roundpoint mortgage made a series of errors, as though they had never handled such a process. Numerous calls and hours on the phone. Due to their mistakes, after being promised that the account was set up properly, I was assessed late fees. They got the payment dates wrong and various other errors. It took numerous months and phone calls to get this done correctly. Their logs should confirm this. Very hard to reach anyone knowledgeable, and today when calling to speak to a supervisor, they simply would not take my call, and after 34 minutes onhold for a supervisor, they said they would call me back ( which they didnt ). I still have a pending late charge dating back to XX/XX/year> for {$68.00}, due to their numerous errors, and was denied getting this penalty waived. The loan is finally bing paid biweekly properly, but they simply wont waive this fee -- financial penalty in addition to the frustration over their incompetance to set this up properly in the first place. Their loan processors act as though they have never done this before when it is a very simple request.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NY)

I was never contacted from this company via phone, email or us mail and according to original debtor it was sold to this law firm. They sent a letter to my employer asking for my social security number and banking information as well as a copy of a judgment I was never even served with. Not once have they contacted me or written any letters. I tried to call and your put on hold for hours and nobody picks up the phone.