davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (NV)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX- The account number XXXX associated with XXXXXXXX XXXX  XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX XXXX XXXX - The account number XXXX associated with XXXX XXXX XXXX XXXX  is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-09
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. (IN)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ATTENTION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX. I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership.

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated.

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX  Enclosed : are supporting documents
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

The Covid 19 Pandemic destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2023-08-08
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. (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.

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 2023-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (MN)

Between XXXX XXXX and XXXX XXXX my monthly payment changed from {$83.00} to {$190.00}. They claim the prime interest rate went up. so there was nothing I can do.
Consumer complaint received 2018-05-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc. (TX)

My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

First received a telephone call from XXXX XXXX XXXX stating I as trustee of my XXXX XXXX XXXXamily trust owed them {$190.00}. I told them to send me something in mail and I'd review. They did try to get me to pay over the phone. I refused. 

Just received mail stating I owed {$190.00} to XXXX as debt collector for Citizens Bank NA. I called Citizens and the account referenced in the letter does not exist. I have not paid anything. I'm not aware of anything owed, this trust literally only has an insurance policy in it so it didn't make any sense, given everyone still alive. 

I believe this is fraud attempt to collect a debt that does not exist. When I called Citizens I was told they do not send claims to XXXX. I fear the public will pay and possibly turn over their information to this company. Letters and calls were pretty professional, I'm grateful I did not scan any QR codes, or get on their website.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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: JPMORGAN CHASE & CO. (IL)

I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (NY)

My credit report is showing late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-12-09
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. (NC)

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-13
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report. I've already disputed these items but the bureaus didn't remove them, nor prove validation. XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (VA)

The account appeared on my credit report as of XX/XX/. I contacted Transworld Systems, Inc.as of XX/XX/. In speaking with Transworld Systems, Inc. on XXXXXXXX I requested validation of the debt. I have not received anything in writing or electronically. Transworld Systems , Inc. proceeded to contact me again on XXXX This is a direct violation of my FDCPA rights. Transworld Systems , Inc. also failed to state the mini Miranda on several occasions ( I spoke with several people ).
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

Dear XXXX, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I have got Lowe 's store credit card by synchrony bank. 

Here is the detailed events as it happened over the months, XXXX : I have used the card to install fencing around my house and that costed around {$7500.00}. It was applied to an promotional balance category. That means that I have about 24 months to pay it off. I immediately setup an automatic payment of {$400.00} towards it. so that it pays off on time. 
XXXX I have bought couple of more items in the store and used the same credit card. The total was around {$500.00}. 
I called and made a payment for that purchase. But in the next statement, It did not pay off those {$500.00}. Instead of applying towards this non-promotional balance and they applied it towards the promotion balance, Even though I specifically asked them to pay it towards non-promotional balance. Due to this issue, the statement shows extra fees, interest, etc. 
XXXX : I called to them to correct this issue and adjust the payment appropriately, so that I don't have to pay the fees. the customer service person told me that this will be corrected in the next statement, but the issue remained. 
I called many times over the months and explained them about the issue. but the issue is not getting resolved. I am still having the balance, interest & fees on the last statement. it is apparent that Lowes / Synchrony bank does not allow users to make the payment towards the non-promotional balance. so that they can charge fees as they like. 
Here is the history of all the phone calls ( I have gathered this after taking with customer service ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Customer Service - XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I recently received a credit monitoring notification that a new collection has been added to my credit report. After reviewing the collection i immediately noticed that I have no account with this company & no knowledge of this account. I reached out to both the credit reporting agency as well as the company attempting to collect the debt for proof that they verified the identity at the time that the account was opened, proof of signature, & all steps & documents required to prove the identity. I was notified that they had deemed the account accurate but they have not provided me with any documentation as to how they did verify the account as accurate. This account is completely inaccurate, does not belong to me, & is negatively affecting my personal credit report.
Consumer complaint received 2023-11-16
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.