davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX. Incorrect Name/Address : XXXXXXXX XXXX XXXX  XXXX XXXX Incorrect Name/Address : XXXX XXXX XXXX  XXXX. Incorrect Name/Address : XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX Incorrect Name/Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX. Account Name/Number : XXXX  XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX. Account Name/Number : XXXXXXXX XXXX XXXXXXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (MD)

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.

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 2024-04-15
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. (MD)

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.

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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint against TransUnion and XXXX regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, TransUnion has persisted in reporting my account negatively even after I filed a XXXX XXXX XXXX with XXXX XXXX. This has resulted in severe XXXX XXXX and an inability to terminate my contract without further detriment to my credit report. My grievances against TransUnion are outlined as follows : XXXX. Violation of Consumer Rights : TransUnion and XXXX 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a XXXX XXXX XXXX  with XXXX XXXX, TransUnion has continued to report my account negatively, obstructing my ability to exercise my legal rights. XXXX. Inaccurate Reporting : TransUnion and XXXX persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. XXXX. XXXX XXXX XXXX : TransUnion and XXXX 's continuous negative reporting has subjected me to relentless XXXX XXXX XXXX from XXXX XXXX. Despite my XXXX XXXX XXXX, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. Furthermore, on XX/XX/XXXX, TransUnion and XXXX reported a late payment to XXXX XXXX and XXXX, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although TransUnion and XXXX corrected the status the following day, my XXXX XXXX on XX/XX/XXXX erroneously shows late payments of XXXX days, causing me considerable XXXX XXXX. I am invoking my rights under 15 U.S. Code 1640 and XXXX CFR Part XXXX ( Regulation Z ) to seek civil liability against TransUnion for their unlawful actions. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against TransUnion for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that TransUnion be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. Attached is relevant documentation, including correspondence with TransUnion, XXXX and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. Thank you for your attention to this urgent matter.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

XXXX. Department of Education website indicates for Unsubsidized Single Consolidation loan : no payment due and no due date, XXXX $ total to be paid, placed in forbearance by Department of Education, with Loan forgiveness is to be granted XX/XX/XXXX as part of SAVE program full implementation including Deferment and Forbearance periods covering 20-25 years.

2. Ed Financial notes for the single consolidation loan that program is in IDR-but 10 years of payments are due, 120 payments of {$3400.00} each month, ending in XXXX. XXXX XXXX : " Repayment schedule : IDR. Your first monthly payment is due on XX/XX/XXXX. Monthly Payment Amount : {$3400.00} '' 3. Ed Financial earlier established a payment due date in XXXX and XXXX and payments were submitted for both months, along with 38 months worth of payments at {$16.00} per payment aimed at reducing interest charges.

4. Ed Financial has to publish information and follow procedures and directives consistent with Dept of Education website and guidelines and not publish payment due dates and time frames for loan repayments which were never agreed to or approved by the Department of Education, along with selected amounts of their own choosing.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (IN)

I am writing to complaint to XACTUS about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX  The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I logged into my Amex account and was offered a Hilton card. If I spent XXXX XXXXXXXX within the first XXXX XXXX, I would get XXXX miles. The offered expired on XX/XX/XXXX. On XX/XX/XXXX, I applied for the card and was approved. I have been using the card and I called and chatted with customer service on XX/XX/XXXX and asked when I would receive my points. I was told I would NOT receive them and the supervisor did not know why. He told me it would take a few weeks for an investigation to be done. I received a phone call from someone on XX/XX/XXXX stating I would not get the points because I clicked through it during the application. I do NOT remember doing that and would have NEVER applied for the card. NO ONE at that company could tell me why I was NOT eligible. This is false advertising and when I log into my account, I'm offered different card. I want my miles or I will never use either credit card again. STOP sending targeted offers if im ''not eligible ''
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX account starts with XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX has reported a sprint account that was open and closed same day it went to collection. dropping my score XXXX points. i have never owned a sprint account. EVER. this has hurt my lively hood. I have tried to dispute. this is a violation of my rights.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

Santander consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by Santander if the late payments are not removed by the end of XX/XX/2023.
Consumer complaint received 2024-04-16
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. (CA)

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, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

DATE : XX/XX/XXXX TO : XXXX XXXX XXXX, LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : CITIBANK N.A. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to XXXX XXXX XXXX XXXX  You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list CITIBANK N.A. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to CITIBANK N.A. to sell, exchange or provide any information to third parties, including XXXX XXXX XXXX, XXXX. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between CITIBANK N.A., myself and XXXX XXXX XXXX, XXXX authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to XXXX XXXX XXXX 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. XXXX XXXX
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal 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
Consumer complaint received 2024-02-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Collection Agency, I am writing to file a formal complaint against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). 

I believe that Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXX XXXX have violated the following consumer rights laws : 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency ] has failed to provide me with any validation information regarding the debt they are attempting to collect from me. Despite this, they have placed the collection account on my consumer report, which is a violation of my rights as a consumer. 

2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a chance to dispute the validity of the debt with [ Collection Agency ]. They have not provided me with the necessary information on how to dispute the account, which is a clear violation of consumer rights laws. 

3. Use of false, misleading, misrepresentation, and deceptive means : [ Collection Agency ] has engaged in deceptive practices in their attempts to collect the debt from me. They have not provided accurate information about the debt or my rights as a consumer, which is a violation of consumer protection laws. 

4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency : [ Collection Agency ] has furnished the collection account to a consumer reporting agency without providing me with all required disclosures as mandated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  for their violations of consumer rights laws. I also request that the collection account be removed from my consumer report until Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  provides the necessary validation information and disclosures as required by law. 

I am also requesting the original purchase agreement between Collection Agency and Original Creditor, as well as ; requesting proof that all agencies included above are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I received a debit collection letter from Jefferson Capital Systems LLC on behalf of XXXX for XXXX on XX/XX/XXXX. 

I called XX/XX/XXXX to find out more information as I do not have an outstanding debit. 

I provided the JCS reference number on the sheet, my name, and then the customer service rep asked me for the last four of my social security number. I refused and he stated it is apart of the verification process, I refused and he proceeded to ask me to confirm my social and I hung up the line. 

Jefferson Capital Systems LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
Consumer complaint received 2024-04-16
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. (PR)

In my credit initially appears a debt of a car that I made with XXXX. 

This debt was transferred to XXXX XXXX for the month of XXXX and XX/XX/year> they reported a delay that is not correct. I even went personally to XXXX and they do not know how to confirm these arrears. 

Then I have made multiple steps with TransUnion medinate call or letters and they write me that the information is correct. 

When XXXX XXXX itself can not confirm these arrears. 

Who is lying? TransUnion or XXXX XXXX? 

So who here is protecting us as customers? 

I am therefore demanding that this XXXX XXXX account be corrected or removed from my credit. 

XXXX XXXX XXXX XXXX XXXX