davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

XXXX XXXX XXXX first called obsessively between the months of XXXX and XX/XX/XXXX. I finally picked up and told where the debt was coming from in the mist of trying to settle debt and make accommodations I was asking for information in regards to giving out my information and I expressed how I never heard of a debt collector that doesnt track there payments. The insist that I make the payment over the phone but I told them I didnt have the money to make the payment I was in the mist of still looking for jobs as a dental assistant and only finding work 3 or 4 days out the week making $ XXXX. I expressed to them my financial situation and they didnt believe that I made $ XXXX {$400.00} a week. The manager got on the phone by then stating I was begin rude because I was upset already from venting my financial situation and them not believing me, I was going through a financial hardship and the time and which was also expressed and they didnt believe me. The manager got on the phone and threaten to send my bill to collections which they did XXXX
Consumer complaint received 2021-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AR)

The Cares Act suspended qualified student loans payments and interest until XX/XX/XXXX. Navient is only giving a one month suspension. I did not pay my scheduled payment and did not contact the lender as stated in the information at student aid.gov. I was contacted by the Navient and was told I could only get a one month suspension. 

All borrowers with a qualified student loan should receive the entire forbearance period as stated by the law. I request a forbearance from XXXX XXXX and need your help to ensure that my Loan servicer Navient abids by the law.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )
Consumer complaint received 2023-11-25
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. (MI)

XXXX, Equifax, and XXXX used my information without my consent for the accounts : XXXX XXXX  ( XX/XX/19 ) and XXXX XXXX XXXX ( XX/XX/19 ) also According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Consumer complaint received 2023-11-24
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. (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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-24
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. (OH)

I have been a victim of identity theft since XXXX I submitted over my Identity Theft Report ID and fcra 605 due to two XXXX XXXX accounts. One of the account was removed from Experian as identity theft but not the other. XXXX has not removed neither. These accounts are 100 % not mine.
Consumer complaint received 2018-08-28
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. (NC)

Under FCRA & FDCPA, TransUnion refuses to remove and permanently delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item. 

This is damaging my credit rating.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (VA)

Just received a notice from a law firm states that they have forward papers to have pay check garish for an account that I do not owe. The notice states the first judgement was back on XX/XX/XXXX. Here it is XX/XX/XXXX eleven years pass. I never had a credit card bill totaling over {$1200.00}. This is clearly over the 7 years statue.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-12
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: CREDIT ACCEPTANCE CORPORATION (OK)

In accordance with the fair credit Reporting act, CREDIT ACCEPTANCE CORPORATION has violated my rights. 
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 agency 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 purpose.

89
Consumer complaint received 2023-11-24
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. (TX)

Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including Equifax and XXXX, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to Equifax, XXXX, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than seven years old. The account being reported without my permission is considered an adverse item. 

In conclusion, Equifax and XXXX, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''
Consumer complaint received 2023-11-24
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)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2018-08-27
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. (FL)

On XX/XX/XXXX, I found out for the first time that my credit report from Transunion had report of serious delinquency regarding a XXXX  XXXX credit card with numbers starting with : XXXX. 
When I called XXXX phone number, XXXX which appears on that entry, I was told to call Monday to Friday. 
I called back on Monday XX/XX/XXXX at XXXX and I was transferred to XXXX credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my Transunion credit report, an account that I never opened or used and that it has been harming my credit since XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a XXXX  customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report? 

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address? 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-24
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. (MO)

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.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (WI)

On, XX/XX/XXXX I opened a checking account with Wells Fargo, on the XXXX I had roughly XXXX deposited in to the account! XX/XX/XXXX I tried to withdraw money from the account and my card was shut off! This morning, XX/XX/XXXX I got a letter in the mail Dated XX/XX/XXXX that I can't use my account due to a low credit score! In the meantime, they have all of my money and won't release it to me! I can't eat or buy gas to even get to work! It's all the money I have in the world!
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (NJ)

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX 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 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, dispite my dispute with supporting documentation, Transunion insist the inaccurate information they are reporting is verified accurate, this account is a rental agreement and not a loan as they are reporting, last payment was made XX/XX/XXXX and not XX/XX/XXXX, amount owed is {$1600.00} and not {$2100.00} Rental agreement is current, the amount owed are misc fees
Consumer complaint received 2024-01-05
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. (AZ)

I am following up on my earlier complaint dated XX/XX/2023, where I identified inaccuracies in some of the information. Again, I am requesting that the three credit bureaus validate these accounts in my XXXX, Equifax, and XXXX Credit Reports in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is imperative that they do not neglect to validate this reporting account, as unverified information should not be allowed without providing proof within the legally stipulated period. The account requires investigation for erroneous reporting in my file and is detailed on my credit reports : XXXX XXXX  XXXX Balance Owed : {$390.00}
Consumer complaint received 2023-11-24
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. (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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX XXXX  Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX  - Account : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX  - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.