davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am in disagreement with the accounts below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
All accounts are listed below in the attachment box along with my proper documents, In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

capital one ran my credit on XXXX XX/XX/year> & XX/XX/year> an i did not approve for them to run my credit ALSO XXXX XXXX XXXX my credit on XXXX i did NOT APPROVE OF THEM TO RUN MY XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (MI)

Subject : Request for Removal of Paid-Off Account from Credit Report I am writing to request the removal of a previously paid-off account from my credit report. The account in question appears on my credit report dated XX/XX/XXXX last updated XX/XX/XXXX, and the details are as follows : Creditor/Company Name : EXETER FINANCE Date of Last Activity : XX/XX/XXXX Current Status : PAID
Consumer complaint received 2023-01-04
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. (OK)

I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX is reporting on my consumer reports at Experian, XXXX and XXXX. As a debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report. I never gave permission for them to share my personal information.
Consumer complaint received 2023-04-30
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. (FL)

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 XXXXXXXX XXXX XXXX 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 an 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 2023-04-30
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: FC HoldCo LLC (AL)

I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan. 

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised. 

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions. 
Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future. 

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have submitted all of the proper documentation to Equifax more than once. I have additional documentation that I have sent in as well. Whenever I call for an update, I'm told I will hear back within 24-48 hours. No one has reached out each time ; I call in and get the runaround. Each time I call, I submit additional documentation with a rep on the phone via an email link they send. All they say is. " the department needs more information. '' There is no specialist to speak to, no one to ask what they need, and no one to confirm anything. My XXXX XXXX adverse data has been appropriately removed from other credit bureaus because I have provided all the necessary documents for you to do so and have given the same information to Equifax since XXXX. The reps I speak to say there is no one in the investigation department to speak to ever. I have not been provided with a single point of contact nor proper assistance with this being resolved in a proper amount of time. 

XX/XX/XXXX multiple times XX/XX/XXXX multiple times
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-25
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: Experian Information Solutions Inc. (NJ)

From Friday XXXX  to today XX/XX/, I received the mails from Experian 8 times. 

3 of them related with dispute on credit report. 

Others came from XXXX ( from XX/XX/23 ) 1 was car credit offer 2 were credit card offer 1 was asking me to check the credit score 1 was asking me to 'check out ' my 'top weekly reads. ' I attached the content of this email. However, the sponsored ad was changed when I printed out. It said originally 'Always keep a XXXX XXXX in Your Wallet or Pocket. Every homeowner should know these genius life hacks. Consumer blogs. ' There was a picture of XXXX XXXX. Other contents were same.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (CT)

I changed my address in XX/XX/year> with XXXX XXXX I was issued a new card and continued to make payments but my available credit was always XXXX. I called XXXX on XXXX and was told my account was closed due to fraudulent activity because I changed my home address and didnt return a form along with my drivers license. I wasnt told that a form would be sent out. I also have a Milestone Credit card through XXXX and updated my address on the same day but didnt have that issue. They said they are unable to open it back up.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (DE)

I checked my credit report and its showing a XXXX XXXX account from XXXX  XXXX XXXX that was opened XXXX, this account not only is reporting as a negative account but it also was sold to a company called XXXX XXXX XXXX. I never received a XXXX form to ve able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not XXXX percent accurate. I request that this account be removed immediately do to inaccuracies and harm to my consumer profile.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act, XXXX has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-29
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. (IN)

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Accounts : XXXX & XXXX : XXXX XXXX & XXXX XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX, Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and Equifax regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I called the collections agency which is named national credit systems my name is spelled incorrectly according to the landlord. My name should be written as XXXX XXXX XXXX on my paper work. I've also requested paper work from the collections agency and never recived it
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (AL)

I am writing to request validation of the debt that you are attempting to collect from me. I have not received a validation letter from you, as required under the Fair Debt Collection Practices Act ( FDCPA ), and therefore, I am uncertain as to whether or not I owe the debt. 

As a consumer, I have the right to request validation of any debt that is being collected from me. I am requesting that you provide me with proof of the debt, including the amount owed and the name of the original creditor. If you are unable to provide proof of the debt, you are required to cease collection efforts. 

I would also like to remind you that, under the FDCPA, debt collectors are prohibited from engaging in any unfair or deceptive practices when attempting to collect a debt. This includes continuing to collect on a debt that has not been validated or pursuing a debt that is not mine. 

I am hoping that we can resolve this matter quickly and amicably. Please provide me with the necessary validation of the debt as soon as possible so that I can address this issue and move forward.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

Experian credit service has some information do not belong to me. 
XXXX XXXX XXXX ( Partial ACCT Number : XXXX ) XXXX  XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX  ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX ) Also there are 24 Unauthorized Inquiries on my report 3 XXXX inquiries XXXX XXXX XXXXXXXX inquiry 7 XXXX XXXXXXXXXXXX XXXX  inquiries XXXXXXXX XXXX XXXX  inquiry XXXX XXXX  XXXX XXXX inquiry 2 XXXX XXXXXXXX XXXX XXXX inquiries 4 XXXXXXXX XXXX inquiries XXXX XXXX inquiry XXXX XXXX inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX inquiry Also wrong information of my name such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the report XXXX 
Lastly XXXX XXXX XXXX XXXX. XXXX XXXX was not my address.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (MI)

First and foremost, This complaint is not related to ANY previous complaint. This complaint is a NEW complaint relating to COMMUNICATION which has NOT been previously complained of. The only relation is the respondent Chase JP Morgan. 
Chase JP Morgan has violated the federal Act 1006.6 Communications in connection with debt collection.

( c ) Communications with a consumerafter refusal to pay or cease communication notice. 
The evidence that can be found In the previous response from CHASE to CFPB is just that, Evidence admission noticing the Federal Agency CFPB they were in receipt of consumer letter to Cease and Desist and that Chase would be complying and adhere to that request Chase by XXXX XXXX evidence that first fact of which is that CHASE indicates receipt of notice to CEASE & Desist this is not competing claim put-forth nor is the complaint the same as any previous investigation by complaint. 
The previous complaint about unverified debt, and debt collector practice of not VALIDATING the debt is not the same of this complaint of COMMUNICATION violation of the aforementioned Federal statute. Again, the proof found in their, Chase JP Morgans, own statement suggest that the matter put-forth in this NEW complaint is TRUE. 
Attached is proofs of mailings and letters to prove beyond any reasonable doubt Chase has in fact violated 1006.6 Communications in connection with debt collection by mail correspondence which occurs almost daily with mailing in the mail box or left on property porch such as a BOX of documents is harassment ( see photos ). Today a stapled sheets of 24in x 5in documents came of my personal account information arrived in the mail box without cover ( see Photo Chase 2 and 3 ), envelope or mailing package but mere OPEN stampled documents of personal account information, name, account number, and other personal private info open to the public to read with no need to know. One mailed without envelope and the other smaller documents in an envelope ( see Chase 2 and 3 phots attached ) ( FDCPA ) federal law limits what debt collectors can do and what communication and whom such communication can be had when attempting to collect a debt. Confidentiality must be maintained and revealing personal information that includes my phone number in unsealed mailings violated privacy
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

XXXX has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.