davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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: Harley Davidson Financial Services Inc (AZ)

To whom it may concern, Ive sent documents to credit bureau and have police reports and photos and documentation of information incomplete and added multiple times to my credit report, it clearly shows that company 15 times on several occasions with different accounts. Please assist with this issue. 
XXXX XXXX XXXX XXXX XXXX Tx and letter sent for Disputes and updated and accurate information for my personal report. 
Disputing Inquiries, Collection ( trade that are incorrect, Fraudulent, Incorrect or Paid family members crest, misspelling, inquiring. 
Update all documents and personal information, address, name, phone, work history. 
I am writing to dispute the following information in my file.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I have two accounts ( XXXX XXXX ) that Resurgent Capital Services/ LVNV Funding LLC are reporting on my credit report that need to be removed IMMEDIATELY. I never signed a contract with neither company. They are a third party debt collecting agency who purchased a debt from an original creditor that has been closed and charged off which in turn made it a Certificate of indebtedness. Certificates of indebtedness are considered income.

15 U.S.C. 1692j - Furnishing certain deceptive forms ( a ) states that : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person OTHER THAN THE CREDITOR of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also, 18 U.S.C. 894 - Collection of extensions of credit by extortionate means states : ( a ) whoever knowingly participates in ANY WAY, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years or both ... .I do NOT OWE ANY DEBT to neither one of these corporations.
Consumer complaint received 2024-06-21
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. (MI)

On XX/XX/year>, I received an email from XXXX XXXX saying that I had a new inquiry on my Transunion report. I checked my report and saw that the new inquiry had come from XXXX XXXX. On XX/XX/year>, I did apply for an XXXX XXXX credit card and was approved. XXXX XXXX did a pull from my XXXX report at that time but did not pull from the other XXXX bureaus. When I called XXXX XXXX to ask about the XXXX inquiry, their system showed that I had not applied for anything new with them since XXXX and they stated that the XXXX inquiry was possibly fraudulent. I called Transunion on XX/XX/year>, to let them know and have them remove the inquiry and they said they would. I was told that it would take about 30 days for the inquiry to be removed. On XXXX XXXX, I checked my report and saw that the inquiry hadn't been removed yet, so I called Transunion and explained the situation. I was told that this would be escalated for removal, and I should see the inquiry removed within XXXX hours. Today, XXXX XXXX, I called Transunion again because the inquiry still appears on my report. I explained the last XXXX calls I made to them and was asked if I was told to provide any documentation supporting my claim. I told them I wasn't asked for any documentation, which they said was part of the procedure and that the other XXXX people I spoke with should have asked for documentation. They told me to fill out the FTC form and they were going to call XXXX XXXX to get a letter for removal as confirmation that the inquiry was fraudulent.
Consumer complaint received 2024-03-28
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. (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 2023-08-30
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. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: North Shore Equities, Inc. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX - XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses on my report are incorrect ; please delete them : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (LA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXX 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 and purpose.
Consumer complaint received 2023-09-05
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC (CO)

I applied for a loan after finding myself XXXX  struggling to pay my bills with my paycheck. During application process, i was not made aware of their EXCESSIVE interest rate. In my case, the interest rate exceeded 400 %. I was approved for a {$1600.00} loan with a {$280.00} bi-weekly payment until XX/XX/year> adding up to me paying back over {$5000.00}. They did not disclose the interest rate until i agreed to receive the loan and a loan document was provided. In the state of Colorado, these kinds of loans are actually prohibited and a loan can not exceed 45 % interest rate. I texted, emailed and left a XXXX review asking to cancel out my loan as i can't afford to be in their debt for a year.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CO)

I have been wrongfully charged to my chase debit card more than {$2800.00} dollars worth of XXXX and XXXXXXXX XXXX charges that I have not done. On somedays there are more than XXXX XXXX charges!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2023-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Credit Bureaus are requesting proof of Identity even after receiving from the CFPB and the physical dispute that was mailed in.
Consumer complaint received 2023-09-21
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
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 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Delete this account.
Consumer complaint received 2024-07-22
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. (MA)

I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for XXXX, XXXX, Experian, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report. 
2. Cease and desist further reporting of charged-off accounts : I request that XXXX, XXXX, Experian cease any further reporting of charged-off accounts without my explicit written consent.

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts XXXX XXXX XXXX XXXX ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC. (NY)

Collection Company on credit report named as : XXXX XXXX XXXX XXXX XXXX. 
Ste : XXXX XXXX, FL XXXX XXXX XXXX Original lender : Medical Age of account : 2yrs 3 mths Balance : {$75.00} Since XX/XX/2018 to XX/XX/2018, has not been able to make contact via certified mail, phone, fax or email
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-12-04
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc. (CT)

Hello this is my forth complain about this company! The response they provide my is not helping me because they are saying they are awaiting clawback from my back because I dont have any account with XXXX  XXXX XXXX anymore so there wont be any clawback from the bank because my account is closed so how will there be a clawback. So because there will be no clawback because this account is mine and it is closed and because they dont want to give me back my money so they said they suspect me of fraud and they know that my account is closed for real and there will be no clawback from my back because my account is closed so they can get to keep the money. There will be no clawback from my back so what are they gon na do I wan na know if they gon na keep my money forever??? Because there will be no clawback! My account is closed I cant even call the bank to tell them to make a disputed or clawback because I no longer have account with them. And another thing they are still investing my money I have proof on my email as well every minute I get a email saying my money is being invested so thats what they want they want to keep my money!!! So what will they do keep my money forever????? I want an answer to that.. because I cant give them my money like that!! Thats XXXX for XXXX sake!!! I need my money.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (TX)

It's not exactly any of the options you had displayed. 
I have been paying on this debt since XX/XX/XXXX XXXX  or before. I pay {$100.00} a month on this debt. They went to court and now like to send out messages that they will start garnishing my checks. I have been able to prevent that from happening. I am now XXXX and unemployed. My bank account was recently compromised by a scammer and I had to have a new account number. I had been with this bank for over 30 years with overdraft protection. When the bank opened a new account they did not add the overdraft protection. They said it took 90 days. ( Really when I had been with them for over 30 years ). So this payment was made to the collection agency online and my bank refused to pay it. I called the bank and they reinstated by overdraft protection and asked that this company send the check through again. I had already made other arrangements to pay this. I agreed to pay {$200.00} at the end of XXXX. I went to make the payment online and I could not. This collection agency said the check had been returned and they could no longer let me make payments online and because of the amount of time this account has been open. This was on XX/XX/XXXX. When I talked to the collection agency the middle of XXXX they said there would be no problem. I'm sorry but this is wrong!!! They say I need to call in and wait on hold for 30 minutes to an hour to pay this or get a money order since I no longer use checks. I disagree. There reason for not letting me pay online is totally bogus.
Consumer complaint received 2023-08-30
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Equifax is playing games as Ive already included these documents in my first complaint. This is a total joke. They need to be held accountable for noncompliance. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX