davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (TX)

In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, has violated my rights. 
1

5 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 vears.

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2018-09-17
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 — Problem with personal statement of dispute
Company: S&S Physician Services, Inc. (TX)

I am filing this complaint because a collection agency ( XXXX XXXX XXXX   ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Hello, I am writing to dispute a debt collection attempt from XXXX XXXX. I have the following contact information for them. 

XXXX. XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX-XXXX That said, my main dispute is with XXXX. 

They are reporting on my credit report a delinquent account, that should have been closed without fees by XXXX. I was given permission to terminate my service by XXXX, due to inadequate data speeds that were far below their advertised amounts. I tested my phone in multiple cities and states, including XXXX XXXX, XXXX and XXXX, as well as all around my state of Massachusetts. 

On XX/XX/XXXX - XXXX sent me an email stating they were providing me with return envelopes for my handsets. When I did not receive them for quite some time, I continued on as normal. Once receiving notice of their want for my handsets still, I contacted XXXX. 

On XX/XX/XXXX - I contacted XXXX via chat and an employee by the name of XXXX stated " I currently do not see return kits being sent out here online. '' At this time, she could no longer assist me and told me that my recourse was to phone a specific department. Due to a hectic schedule, I could not get to a phone to dial in and I explained this in full. I attempted to just buy the phones themselves out without being hit with a penalty, but they would not assist with that. 

I believe my debt with XXXX to be invalid and I believe you will find in their records or notes they have on my account that they agreed to let me out of the contract without fees. Dragging the return process for the phones on for months was an undue burden on me as a consumer and I do not believe I should be held liable for their lapse in shipping said kits. Additionally, they then sold this debt to a collection agency. 

I have the original email where they claimed to have sent the return envelopes and I have a copy of the chat which I have mentioned above.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XX/XX/XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.
Consumer complaint received 2023-05-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank as with the victims of the XX/XX/XXXX CFPB Consent Order, engaged in illegal activity that prevented me from XXXX protection! Wells mislead me that at first before the XX/XX/XXXX, foreclosure that they were the owner of my mortgage  debt up until a week or so before the foreclosure and they changed their story that XXXX XXXX was the owner of my mortgage debt, which neither XXXX or Wells paid a single red cent for the debt, as would not be a debtor of the XXXX XXXX XXXX  mortgage loan I had. Wells for the last XXXX  years has sent documentation were none of it is a receipt that they paid or XXXX paid any monies for the alleged debt they claim I owed them. What Wells did was to hold me hostage to the hope of the processing of the XXXX XXXX XXXX XXXX which was required under the XXXX  agreement that Wells signed and received {$25.00} XXXX bailout from. I requested proof of purchase from Wells would is in possession of my mortgage file that contains all the documents from the loan, and a XXXX  Assignment of Deed is not proof of purchase! Wells does not present the receipt, wire transfer or cancel check because one does not exist. Wells can not act for XXXX XXXX because that XXXX  Government agency can not by law buy or sell a mortgage loan, and did not purchase my loan! As Wells did with the other XXXX victims starting on XX/XX/XXXX, was to prevent the XXXX  to steal from the XXXX XXXX helping XXXX not hold up their end of the insurance obligations to their investors and illegally foreclosed on the victims to funnel those illegal funds to XXXX XXXX! What Wells wants now is to be made to pay fines for the thousands of XXXX XXXX XXXX  heroes that they stolen our homes as Wells refused to modify any XXXX XXXX XXXX  borrowers in XXXX according to the XXXX XXXX XXXX. Wells needs to understand that as with the XX/XX/XXXX, there is not statute of limitation on stolen monies from the XXXX XXXX. Wells was granted he power to mortgage service my loan by XXXX XXXX XXXX ( XXXX ), however, that power ended when the FDIC declared XXXX a " failed bank ''! As XXXX could not act after XX/XX/XXXX because they stop existing, Wells can not act for a entity that does not exist!
Consumer complaint received 2023-09-30
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

Request for Deletion of Collection Account [ Account Number : XXXX ] I am writing to you regarding the above-referenced account with LVNV Funding LLC XXXX It has come to my attention that LVNV Funding LLC has obtained and furnished my consumer report without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : LVNV Funding LLC has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ).

Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), LVNV Funding LLC is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ).

LVNV Funding LLC has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ).

Furthermore, LVNV Funding LLC has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that LVNV Funding LLC promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
Consumer complaint received 2022-03-10
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. (MD)

XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXX/Experian/XXXXXXXX XXXX credit reporting agency XXXX These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2023-05-10
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)

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX XXXX credit bureaus XXXX told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX XXXXXXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Consumer complaint received 2018-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

A Perkins loan through XXXX College went into collections. 

I have been paying my student loans and was unaware the Perkins loan was handled by a different agency. The school and the collectors, claim they contacted me with the last known address, in XXXX, New York. However, that address has not been my address since XX/XX/XXXX ; per my drivers licences. At that time I was still attending XXXX College and they had my updated address. This is evident by the request for donations they sent me after my graduation in XX/XX/XXXX and the address to which they delivered my diploma. In XX/XX/XXXX-XX/XX/XXXX I updated my address to my current address and continued to receive alumni information and request for donations from XXXX College. 

A couple of weeks ago, I received a call from a debt collector about the Perkins loan. The collector informed me the loan had gone in default within the last 24 hours and they were calling to confirm my phone, address, and the loan. All of that information they had. 

I believe XXXX College, and the companies acting on their behalf, failed to make a responsible effect to contact me regarding my loan.
Consumer complaint received 2018-09-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (OH)

This is in connection with a closed complaint XXXX filed on XX/XX/XXXX regarding XXXX. 

The initial complaint was regarding XXXX selling my private student loan to XXXX XXXX but continuing to report to the credit bureaus for nonpayment. XXXX has since responded with a letter they said they sent me indicating XXXX XXXX will begin servicing my loan beginning XX/XX/XXXX ; however, I've called XXXX XXXX several times and they do not have any information about me or my account. They have no history, nothing current, nothing closed, or nothing pending. My name isn't in the system, my account number, my loan balance, no information at all. However, XXXX has also indicated XXXX reported to the credit bureaus on they're behalf ; but XXXX does not have any account information of me to report. So who is reporting to the credit bureaus if it's not XXXX as the financial service XXXX sold my account to? I have not been able to pay my student loan or make arrangements due to this issue. XXXX doesn't have my account and XXXX didn't have the account. But someone continued to report nonpayment! 

According to XXXX " After the transfer, XXXX began reporting on your student loan on XXXX 's behalf. '' According to XXXX, they don't have my account information and are unable to report any information to the credit bureaus. They have never had my account information. 
XXXX has reported nonpayment to the credit bureaus on a consistent monthly basis ; but has indicated it was not them reporting ; but XXXX. 
XXXX has once again affected my credit score by reporting a closed account and non payment during the month of XX/XX/XXXX as a result of his complaint. 

I also never received a notice from XXXX that they would be servicing my loan as indicated in the letter from XXXX in XXXX.
Consumer complaint received 2023-05-10
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. (NY)

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX  XXXX dispute representative that I had XXXX, lost a family friend and faced financial hardship losing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a goodwill letter and supporting documents, then they would notify credit bureaus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-12
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)

I review my consumer report and notice I have a late payment on an account that I was never aware of reporting late in the first place. According to 15 USC 1681a2 ( a ) except as provided in paragraph ( 3 ) the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. The consumer agencies are breaking a law and violating my rights, I ask that you please investigate this matter, and if they can not provide me where in the law it state that a late payment should be furnished on a person consumer report, i demand this payment updated to paid, or reverse. 

XXXX XXXX XXXX XXXX XXXX, 2022