davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Initial Complaint : XXXX Submitted to the CFPB on XX/XX/year> Equifax only provided its general consumer information that's listed on its website, and frivolous information that was submitted by its furnished which does not validate any debt of me as a consumer ( uploaded ). FAILED TO CURE COMPLAINT # XXXX 15 U.S. Code 1681n - Civil liabilityforwillful noncompliance. U.S. Code. NOTE : I the consumer again request that Equifax remove any mention of this collection ASAP per the Fair Credit Reporting Act. The Listed collection account below continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks 1 collections- XXXX XXXX XXXX XXXX Addition to Initial Complaint XXXX XXXX The credit reporting agency and its reporting creditor are in violation of morphing or duplicating negative credit information on an account that does not belong to consumer. Moreover, credit reporting agency and reporting creditor has failed to furnish consumer requested document ( s ) signed and dated by the consumer in order to validate listed information onto consumer credit file not belonging to consumer. Additionally, it has failed to delete the inaccurate, incomplete and unverifiable information within 30 days of receiving initial notice of consumers dispute. Furthermore, the credit reporting agency has failed to notify consumer when it supplies negative credit information to a credit reporting agency. Consumers rights has been violated. inaccurate, incomplete, or unverifiable information must be removed within 30 days from the initial date of this complaint.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is reporting as a loss by credit grantor but is showing XXXX different balances {$4200.00} & {$7300.00}! Last time account was active was in XXXX how is still still reporting charged off on different years & bureaus! Please remove this account due to inaccurately reporting it! It is in violations of my rights to a fair credit report!
Consumer complaint received 2023-04-16
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US XXXX XXXX XXXX XXXX XXXXXXXX, has violate my rights XXXX XXXX XXXXXXXX  # XXXX, has violate my rights XXXX XXXX XXXXXXXX  # XXXX, has violate my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedate 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 2024-05-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Recently, I discovered an entry on my credit report from National Credit Systems for a debt I do not recognize. I believe this to be a case of identity theft, as I have never entered into the rental agreement they reference. 

On XX/XX/2024, I formally requested National Credit Systems to validate the debt, as is my right under the Fair Debt Collection Practices Act. Despite my request, they have failed to provide any documentation or proof that substantiates their claim. Instead, they responded by simply issuing another collection bill, disregarding my request for validation and my rights as a consumer. 

This failure to validate the debt not only violates the federal law that protects consumers from unfair collection practices but also has caused significant stress and potential harm to my financial reputation. I am concerned about the impact this unvalidated debt claim might have on my credit score and overall financial stability.
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NJ)

XXXX XXXX XXXX XXXX ( XXXX )/ XXXX XXXX XXXX ( XXXX ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until XXXX. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to XXXX negligence and fraudulent practices. XXXX is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to XXXX in XXXX, copy of written communication mailed to me about alleged XXXX debt from an unauthorized 3rd party collection company, and a copy of XXXX alleged debt validation response in XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (DC)

My account is with Marcus by Sachs. My old balance and account shows as open on XXXX. I made a dispute and XXXX has reaffirmed the information. Although its inaccurate. Goldman Sachs has sold my account back in XXXX of 2023. Now both this account and the other account with the same account details show up on my credit report and it looks like I have more loans than I actually do, since its the same loan. Its negatively impacting my credit. I would like this removed from my credit report as they are no longer my creditor.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

PLEASE BLOCK AND REMOVE I urgently request that you take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me considerable distress. It is unjust for me to be held accountable for these inquiries that I did not authorize.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (OH)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American first finance tried to take money out of a bank account that they were not authorized to take the money from. It resulted in my debit card being froze for fraudulent use so now I can not use it for over XXXX days. The amount was XXXX XXXX XXXX XXXX. They would do anything to try to get their money except for waiting
Consumer complaint received 2023-12-12
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that they items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

We filed a dispute against a XXXX on our Citi Bank XXXX on XXXX XXXX 2024 in the amount of {$5300.00} Citi XXXX in its dispute process that it will be like a tennis match back and forth and will give us an opportunity to rebuttal what the other party submits. None of this happened we are still yet to be presented with the contractors statements from the dispute. 

Citi sided with the XXXX and we submitted documents from professionals backing up our claims to why we disputed the charges so we can only assume they never really looked at the incident and all the information in the dispute. 

below is a short synopsis of what happened We hired a XXXX to Fix our XXXX and used Citi bank XXXX as our form of payment ( to protect us from a situation like this ). The XXXX did everything wrong as far as the work goes and we supplied Citi with plenty of documentation on the situation from outside professionals and contractors. Citi XXXX with The XXXX because we didn't let them continue/finish the work which would have cause further damage and we couldn't return the permanently installed fiberglass not our fault they did it wrong & that we had to spend many thousands of dollars to remove and repair. 

We will supply images and documentation we submitted to this complaint as well as pictures in XXXX of the professionals document Citi Refused to look at.
Consumer complaint received 2024-02-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received a {$500.00} AmEx gift card last year and I have had tremendous difficulty getting the card to be approved by most large retailers, such as XXXX, XXXX, XXXX XXXX, grocery stores, and XXXX. I was able to use the card for niche holiday purchases, but have been unable to use the remaining {$250.00} on items that I would use myself. I would just like a check of the remaining balance so I can use it without getting declined by every mainline retailer. Thank you.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (TX)

Subject : Dispute of Incorrect Information in Credit Report To Whom It XXXX Concern, I XXXX XXXX XXXX am writing to dispute the following information on my credit report. I have reviewed my credit report from NCB MANAGEMENT XXXX XXXX and found inaccurate information that I believe needs to be corrected under the Fair Credit Reporting Act ( FCRA ). 

The items I am disputing are : XXXX. Account # : XXXX This account is showing an incorrect balance its showing {$18000.00} charged off when I requested a bill of sale. 
I have never opened an account with this creditor. I dont have the purchase agreement with NCB MANAGEMENT SERVICES. How did they validate this debt? 
The bill of sale is showing me a completely different number than the repo collection thats reporting. Thats a violation. XXXX is showing {$18000.00} charged off and the bill of sale is showing {$12000.00} as of XX/XX/year>. Either they update the repo collection on my credit report or delete it. 
XXXX is showing a balance of {$0.00}. 
XXXX is also showing a balance of {$0.00}. Please delete this inaccurate account off my credit report. 
I have attached copies of my credit report and any relevant documents ( such as payment records, letters from the creditor, or identity theft report ) to support my position. Please reinvest
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION (AL)

This is the information I sent to get my credit fixed due to I was not notified or gave permission to anyone to access my personal information/account. My credit is steady dropping. I never got approved for the student loan for number XXXX so why do I owe? 

According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portifino Recovery will not stop contacting me. I do not believe the entire debt is mine. I asked them to send me copies. Nothing happened. They have been calling from several numbers up to 10 times a day. 7 days a week. I have told them on several occasions to stop calling. I said to send me a copy of the bill. nothing. I told them if they will remove the negative remarks in total from my credit, and show the actual amount i owe, i will pay. they said I have a better chance of getting struck by lightning. I have blocked them on at least 10 numbers, and they call from more. daily. I keep not answering. when I do answer, i keep saying please refrain from calling this number anymore.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My payments are always made on time, of that I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. USC 1666b states that any billing errors should be corrected, or they will be required to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (AZ)

This is the second time I have tried to post payment for my accounts. I can make payment on my accounts until the XXXX of each month without getting a penalty. 
If the XXXX falls on a Saturday or Sunday the electronic system will not let me make a payment on line until the monday after the weekend and a late fee will be charged even. 
A large company like Loan Depot, claiming Great Customer Service, yet they will not let me make payment on the weekend. Banks are open regardless of day of the week. 
I don't need to talk to a representative I just want to post a payment. 
On line it shows the XXXX available for payment, but will not let me make my payment. 
I have included payment and screen printouts for both of my payments. 
XXXX for one property and one payment for XXXX. I do not wish deserve to have to pay late fees just because the payment date falls on a weekend day.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items 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 regard 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 this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$4300.00} XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$4300.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2024-04-26
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. (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

Send me in updated copy of my credit report showing the updated status.