davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I borrowed {$800.00} from this company. I have paid {$700.00} ( {$130.00} first month, {$530.00} second month ) I called the company today and my balance is still {$800.00}. The company is charging me $ XXXX monthly to renew, not repay the loan. My payments are not being applied to the principal. I have spoken to a customer service representative and she stated that I agreed to the terms, so I must pay it. She offered no payment assistance, despite the fact that they just received {$530.00} The fine print of this contract is buried in numerous disclosures. The fees attached to this loan are horrendous. I was not informed that my  payments of {$530.00}. XXXX are actually loan renewals.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Service with XXXX was initiated at the end of XXXX, but XXXX was unable to provide the agreed upon service and it was canceled after 1 week. XXXX charged my account and I disputed the charges with the FCC. During the dispute with the FCC, XXXX sent the bill of {$340.00} to collections on XXXX XX/XX/XXXX. I was originally contacted by LVNV Funding LLC and disputed the charges on XXXX XX/XX/XXXX. LVNV Funding did not respond to the dispute within 30 days and I was contacted by 3 companies representing LVNV Funding LLC in XXXX attempting to collect this debt. 

1. XXXX XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 
2. Resurgent Capital Services contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 
3. XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 

All of these companies claim to represent LVNV Funding LLC and are attempting to collect an invalid debt. I have informed all of these companies that the original debt was not verified within 30 days and can not be collected under current law. I continue to receive debt collection notices, all with different dates that I have to respond by to dispute it. 

This debt is not valid and was disputed in XXXX. LVNV Funding LLC appears to be getting numerous companies to contact me and collect the debt they failed to validate in XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I received a credit card statement showing that a payment of nearly {$9000.00} was made to my Citi XXXX XXXX card. To the best of my knowledge I have never used the card and I have never made a payment on the card. I did not make a nearly {$9000.00} payment on any credit card. I believe some sort of error has occurred.
Consumer complaint received 2024-04-12
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. (HI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.
Consumer complaint received 2023-06-20
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. (PA)

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

XXXX Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX section 602 A 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-06-20
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. (MI)

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  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and, 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.
Consumer complaint received 2024-04-12
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MI)

I canceled this membership in-person with XXXX XXXX  in XXXX Michigan in Good Faith in XXXX of 2018. I explained to them that I was in the process of buying a Home in the area of XXXX Michigan which was further away where I would no longer be able to attend as member of their club. The membership at the time was only a XXXX Membership and was simply on a Month to Month basis. They agreed at the time to cancel my membership in Good Bargain Faith out of understanding of my situation without any cancellation fees Required in which I was never entitled to pay to begin with because I never signed any Documents or Contract that stated responsibilities to pay any early cancellation fees. However, something took place outside of my knowledge where a balance of {$220.00} is showing only on my XXXX Credit Report from First Credit Services in which apparently someone from the Original Creditor ( XXXX XXXX  ) chose to disregard the cancellation that was discussed in-Person at the club of my membership and sold what was supposed to be " Cancelled Membership Account '' to First Credit Services as a Debt in this amount of {$220.00} in which I truly feel at heart I'm not responsible for paying.
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

I disputed a payment with paypal for a transaction. I received a product that was completely different than what I ordered. Paypal communicated to the seller and seller offered partial refund, which I refused since I have no use for the product sent. Paypal said they would continue to investigate, but nothing has occurred since then. Paypal continues to increment the resolution date of my dispute daily and continues to do nothing. Here are some date I officially opened dispute with Paypal on XX/XX/XXXX I was told I could expect resolution by XX/XX/XXXX Each day since XX/XX/XXXX, Paypal has been incrementing the resolution date and continuing to extend it. 
The facts of my dispute have not changed and Paypal is just procrastinating on getting this resolved.
Consumer complaint received 2020-07-28
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, transuion and XXXX  are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Consumer complaint received 2023-06-20
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. (PA)

In accordance with the Fair Credit Reporting Act you are reporting inaccurate information that does not belong to me. XXXX, Experian, and XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 Section 604 states a credit reporting agency can not furnish an account without my instructions.
Consumer complaint received 2024-04-12
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 am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Loqbox US Inc (NY)

WWW. LOQBOX.COM {$2400.00} PERSONAL LOAN FRAUDULENT FILE, CREDIT SCORE DECREASE AND LATE PAYMENT OPTIONS. CUTOMER SERVICE DID NOT ANSWER THE PHONE.
Consumer complaint received 2024-04-12
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. (TN)

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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (ND)

I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and XXXX is showing me as to having a synchrony Mastercard through PayPal as of XXXX 2023. Synchrony wrote it off as of XX/XX/2023 do to no payment made. I spoke with PayPal and they assured me I had never had this card. I had a dispute with XXXX that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??
Consumer complaint received 2023-06-20
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. (MN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/ XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (VA)

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 2024-04-12
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-12
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. (VA)

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.