davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-31
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)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2024-03-29
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. (MI)

RE : XXXX XXXX I have been reaching out to Experian and XXXX regarding incorrect public information on my credit report since XXXX XXXX XXXX. EXPERIAN and XXXX continues to claim the public record has been verified but continues to not send me their method of verification or stating that a third party company XXXX XXXX has verified this information. According to the Federal Consumer Reporting Act ( FCRA ) information has to be 100 % accurate, correct, and verifiable by the ORIGINAL CREDITOR which it continues NOT TO BE! I also have documentation stating that the court house does not verify these things and they keep saying its verified. I have filed a complaint with the XXXX as well. If this is not resolved in XXXX days I will have no choice but to take the next steps per my legal consul and seek up to XXXX in damages and I will submit a complaint to the FTC. This is currently affecting me from purchasing a home and I am a XXXX XXXX with no place to go this is messing with my livelihood.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Repeated calls, initiated first by me to request evidence of debt, and after investigating all entities related and with whom I have a business/contractual/legal/financial relationship, and after obtaining verification of no such debt that these parties acknowledged, but the contrary, have been made. I received the third this morning ( XXXX XXXX, XXXX  ). 
I have warned this company that I will pursue criminal accusations/filings if any such calls are further received, at least twice -- maybe three times. 
I investigated immediately after receiving a mailing. This was several weeks ago -- early XXXX, XXXX? I believe this to be a roughly accurate date by recollection. I did not expect further calls -- I warned this operation in no uncertain terms in each phone dialogue. 
I was stiff-armed. 
I have important business to attend to, and these disturbances are more than unwelcome. 
I request that this operation, once again, cease and desist if they can not provide formal evidence of a debt. So far it has not done so, despite my requests on the phone. 
I believe this to be at the least, thoroughly incompetent. But it is more than this -- I will claim it is standard, and now common, fraudulent practice in hopes of being paid a debt not owed. 
I do not care what the internal causes and malpractice entail. I will pursue criminal charges at state and federal levels, and further back these with formal evidence if the authorities choose to pursue this matter/case.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (OK)

I've filed a dispute with XXXX XXXXXXXX XXXX XXXX XXXX  . where I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2017 serving a XXXX  year sentence in the XXXX XXXX XXXX XXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXX and my XXXX XXXX XXXX XXXX  I looked on my credit report, I seen an account from Fortiva credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a XXXX XXXX. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, 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. (OH)

I have identified information on my reports that are a result of identity theft. These items are not a result of any action by me. I have attached the FTC Identity Theft report.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (FL)

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.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Consumer complaint received 2023-12-26
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. (IL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF ED/XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT XXXX XXXX ; XXXX XXXX XXXXXXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Yamaha Motor Finance Corporation USA (FL)

This account was paid in full, without debt and is only reporting as a closed account affecting my credit since the information provided is inaccurate, it is not shown in the 3 credit agencies, it does not show any late payment or any relevant information. It only shows that the account was closed without debt but does not represent any other information
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (NJ)

Dear Sir or Madam : My former employer, XXXX XXXX XXXX XXXX, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from XXXX XXXX  and dont intent to. 

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left XXXX XXXX  before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between XXXX XXXX XXXX XXXX and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (VA)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.
Consumer complaint received 2023-12-30
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 Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: 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: AMERICAN EXPRESS COMPANY (WA)

To whom it may concern.. 

My complaint is both with American Express and a merchant called XXXX. 

Situation : On XX/XX/XXXX I booked a flight on a website called eDreams with XXXX airlines. The flight was scheduled to take off on XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX, my XXXX  and I showed up at the proper airport to board our flight and the airlines said they had no record of our tickets and the confirmation that XXXX sent us was not in their system. The airlines checked the records with our names/passports and said there is no record of any flight. 

I reached out to XXXX for a refund stating the issue and XXXX said that it was a valid charge since they sent a confirmation email. When we asked them to give us a record of the ticket, they could not produce it and requested us to ask for a refund from the airline. We've reached out to the airline and they don't have any record of our ticket so they aren't able to provide a refund for a ticket that was never issued. 

I disputed this charge with American Express 3 times with no resolution. The first denial came when they said XXXX provided a confirmation of the purchase. I re-disputed the charge and American Express agreed that they would cancel the charge if they could find a copy of the ticket. They just responded to deny the dispute with the reasoning that they had found a copy of the ticket. However, the copy of the ticket was for a flight that I purchased directly with the airlines on XX/XX/XXXX. 

American Express nor XXXX can provide a copy of the ticket and I have proof from the airlines that there is no record of my ticket. Yet, both American Express and XXXX state that this is a vaild charge.
Consumer complaint received 2023-12-30
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-22
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

XXXX continually allows people to access my credit file unauthorized. I specifically requested to sign up for the {$25000.00} settlement several times they have REFUSED me. Last time I spoke to them they claimed my credit score was XXXX and now I was refused a loan because of there credit report stating I have no credit file. They need to fix my credit, put an extended fraud alert and stop giving unauthorized people access to my score. I am pressing criminal charges against them!