davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-08-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LCO Financial Services, LLC (MS)

Blue Trust Loans has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail ( XX/XX/2018 at XXXX XXXX ) stating that her name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXXXXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
Consumer complaint received 2018-08-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (MD)

Company is not licensed to do business in the state of MD. Please provide license for the state of MD if licensed. Company claims to be a debt collector. Please provide information on who debt was being collected for and proof debt was being paid. Vacate foreclosure and return all money due. According to the Truth and lending, Predatory Lending, DODD Frank until thorough investigation is completed, I've received letters claiming the are the alleged servicer. Please provide information on whom you are servicing and/or collecting/collected a debt for. Meanwhile I will be paying my taxes and insurance. Please provide information on whom property was supposedly purchased from and what legal interest they had in the property.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.
Consumer complaint received 2023-08-29
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.
Consumer complaint received 2024-03-17
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. (GA)

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Consumer complaint received 2024-03-17
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. (GA)

I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways. 

Accounts : XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00}
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: EQUIFAX, INC. (TX)

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX Delete this account. 


8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (IL)

This collector is not licensed in my state. Under the Fair Debt Collection Practices Act. Im not liable for this debt with Eastern Accounts System. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (SC)

Aidvantage XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.
Consumer complaint received 2024-03-17
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: Experian Information Solutions Inc. (NY)

inquiries that was not authorize or recognized complain I contacted XXXX Experian about the following to be removed from my credit report immediately XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX ) I made complaints to XXXX and Experian about not recognizing these inquiries and might be identity theft and or fraud
Consumer complaint received 2023-08-06
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 2023-08-06
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. (FL)

I am writing to dispute the following information that your company supplied to Equifax, LLC. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item for instance : XXXXXXXX XXXX at XXXX for account number XXXX XXXX XXXX XXXX is inaccurate or XXXX XXXX XXXX credit reporting agency has reported no data for the years XXXX, XXXX, XXXX, XXXX, and XXXX. XXXXXXXX XXXX has also not provided a written statement proving that the interest rate was not discriminatory, late fees were accurate, and why it did not honor lump sump payments over the due date amount with no payment due in the preceding months. I am requesting that XXXXXXXX XXXX  have the item removed or adjust the amount that is reported over an above the credit limit. 

There is no indication that the interest rate assessed on the account was not discriminatory compared to the national average rate offered for a XXXX veteran with my credit rating at the time the account was opened. 

There is no written indication from XXXXXXXX XXXX that the late fees assessed on the account were justified considering XXXX XXXX who is a XXXX veteran paid lump sump payments, but XXXXXXXX XXXX  would impose a request for payment in the preceding months. 

Equifax has not taken these issues into consideration and has not provided anything in writing from the original creditor XXXXXXXX XXXX to justify the continued reporting of this account to the credit bureau. 

Enclosed are copies of my credit report and any other documents supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible.
Consumer complaint received 2023-04-11
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. (TX)

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ). A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/2021 presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (SC)

This is my fifth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX please 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 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: EQUIFAX, INC. (VA)

My name is XXXX 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 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 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: EQUIFAX, INC. (NJ)

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 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.