davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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)

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. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (OK)

I told them that I had been receiving a call from them every day for the last month and a half, and when I answered nobody would say anything. I had told them I was attorney-represented. The representative, without talking about an account or anything, said that my information was also associated with someone else 's account, and she would get that taken off immediately so they would quit calling. Then she told me to have a great day, and she was sorry. When we hung up, my caller ID had changed to ( XXXX ) XXXX out of XXXX, XXXX. True spoofed Robocall. I'm not sure why nobody answers when I answer the phone. The spoofing switchover might be causing it to drop, and showing a second call. I'm just speculating from what I quickly searched online. Thank you!
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (PA)

This debt collector did NOT confirm that NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX is a debt collector for you are now in violation of the Fair Debt Collections Practices Act by not disclosing in your initial written letter that you are a debt collector collecting on a debt and that any information obtained will be used for that purpose ( 15 USC 1692e ( 11 ) ). Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including you, NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX who has decided to infringe on my personal privacy to communicate with I, the consumer, without my prior consent pursuant to XXXX XXXXSC 1692c ( a ). Proof of violations of the Fair Debt Collections Practices Act attached labeled as Exhibit A.

Pursuant to 15 USC 1692a ( 3 ), I am the consumer because I am the natural person allegedly obligated to pay any debt.

Pursuant to 15 USC 1692a ( 6 ), NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, is a debt collector because you use interstate commerce or the mails for the purpose of collection of any debt. 
Due to NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to XXXX8 USC 1028 ( a ) ( 3 ) and 18 USC 1028A ( a ).

Pursuant to 15 USC 1692c ( c ), I am notifying you, NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, in writing that I, consumer, refuse to pay this alleged debt, and I am demanding that you Cease and Desist all forms of communication with me through all mediums, ie ; email, text messages, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently. 
Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation and you are in violation of XXXX Federal Laws which equal to the sum of {$10000.00}. NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX did not confirm they are a debt collector and have failed to comply with the Fair Debt Collections Practice Act ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if you violate this CEASE AND DESIST!
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (FL)

I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXX-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

Online account would not let me log in. Did not receive letters in the mail, nor anything to my email address about payment being due. Additionally, company never sent account over to a collection company so I thought it was paid. Account was paid in full in XX/XX/2023 after viewing on credit report.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (GA)

This is my 10th 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am trying to dispute some inaccurate information on my credit report with Experian and they keep sending me email stating that they don't believe it's me that's disputing my information. I have responded with confirmation that it's me, all of my personal information as well as copies of my identification, social and a proof of residence and they still send me emails stating they don't believe it's me. When I try to call the number on the email, it's just a loop and does not take you to anyone that can help. It appears this is some sort of a scam to get you to sign up for the Experian Website or App so they can charge you money to dispute the things on your credit report. I am not interested in paying being a member of Experian, I just want the inaccurate accounts on my credit report investigated and removed. I was under the impression that the Credit Bureaus had to comply with the Fair Credit Reporting Act and had to investigate disputes and that the CFPB regulated these companies to comply and that is why I'm filing a compliant. However, I'm reading on the CFPB website that these companies often ignore disputes and you have to file complaints with the State Attorney General or file a lawsuit against them. That's confusing because they are violating Federal Laws! Why doesn't the CFPB protect consumers against these companies like Experian and allow them to violate consumer rights and the Federal Law?
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (IL)

I applied for a modification from Selene Finance on numerous occasions, and have been denied for insufficient income. Selene received my loan from XXXX Mortgage. XXXX had approved me for a modification and rescinded it because the Recorder of Deeds office was closed here in XXXX. Since then, I have repeatedly provided Selene complete modification packets that have not been revised in a timely process. Once the time frame gets to 90 days they deny it and request the same documents. In addition, Selene Finance is Dual Tracking. I have been working diligently toward a modification and they have been working towards foreclosure and a resolution through modification. I have requested to speak to them and they have claimed they havent received authorization from my attorney, who neglected to inform me of the court dates of this escalating to a judgement. Selene stopped sending me mail and stopped talking to me. They spoke to me for a very long time while I was represented by an attorney, then refused midstream after my attorney authorized them several times. My most concern is Dual Tracking.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
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. (AZ)

The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over XXXX points due to fraud.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reviewed my consumer reports and noticed the XXXX XXXX XXXX account information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

This matter arises from PNC Bank , National Association breach of contract security agreements, violations of Truth in Lending Act ( TILA ), violations Fair Credit Reporting Act ( FCRA ), fraud, gross misrepresentation, tender of payment obligation, unjust enrichment, defamation of character, Slandering and Libel, Extortion, Conspiracy, Racketeering, GAAP Fraud negligent and Civil liability for willful noncompliance with the law. 6. Carlyne Desir signed the Security Agreement contract under non-disclosure, false pretenses, and fraud with PNC Bank. PNC Bank violations of Truth in Lending Act ( TILA ), TILA required full disclosure. As a result of PNC Bank breach of contract security agreement, I have been damaged.I would appreciate for PNC Bank to reimburse me back ALL my money and pay total sale price of contract {$69000.00} or I will take court actions with legal fees {>= $1,000,000} ( XXXX XXXX Dollars ). All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name under penalties of the Law, including but not limited to perjury. My federal court XXXX lawsuit against XXXX XXXX  for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated. See AFFIDAVIT OF TRUTH AND FACTS attached.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. Please delete or remove this item on my behalf and this is greatly affecting me and my personal life. 

XXXX XXXX XXXX XX/XX/2019 {$11000.00}
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.