davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AZ)

This is in relation to Complaint # XXXX. REFER TO ALL INACCURACIES IN ATTACHMENTS ( Date of last activity, date of report, date opened, closed date ; simply one inaccuracy is grounds for violations ) and includes the following:15 USC 1681 - ACCURACY AND FAIRNESS - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to a consumers right to privacy. 15 USC 1681b - PERMISSIBLE PURPOSES - XXXX  did not obtain my permission to provide any adverse information on my consumer reports, through any of the platforms they intended to, including but not limited to XXXX, XXXX, or XXXX. I never intended to give express permission for them to do so, and if there were any permissions I unintentionally authorized pertaining to adding any information on my credit report that damages my reputation, past, present, or future, I unequivocally revoke and deny any such actions or practices. In Re P.L. 90-321 ( 82 Stat. 146 ) backs this code. 15 USC 1681s-2 ( A ) ( 1 ) - REASONABLE CAUSE TO BELIEVE INFO IS INACCURATE - states 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. Through the preceding complaints provided and the evidence shown, ALLY is under responsibility to ensure accuracy to their claims. Whoever is reporting this on their reporting side must consider the fullness of the status as provided. Reference XXXX of Executive Customer Relations XXXX ext XXXX. PRIVACY ACT OF 1974 ( 5 USC 552a ) Conditions of Disclosure - No agency shall disclose any record which is in a system of records except pursuant to a written request or with a prior written consent of the individual to whom the record pertains unless disclosure of the record would be in accordance with 31 USC 3711 ( e ) UNLESS the disclosures are to collect a claim of Government by way of Internal Revenue Code, or a head of agency has established procedures to get satisfactory assurances from each CRA that the agency is COMPLYING WITH ALL LAWS OF THE US they are in violation of the Privacy Act of 1974.

Because ALLY and myself are currently in disputes over the following commercial relationship, they have XXXX right to report any adverse claims which are yet unsubstantiated and are therefore defamatory and damaging and without consent. Their claims under negligence and denial of their own responsibilities to provide full disclosure as shown through recent complaints are violations of " Permissible purposes '' 15 USC 1681a " Regulation P '' 12 CFR 1016.1 and Privacy Act 5 USC 552a and therefore are willfully noncompliant 15 USC 1681n.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (WV)

They call, text and email me several times per day for the past month. Ive repeatedly told them this is not my debt and to stop contacting me. They begin their calls at XXXX XXXX  and do not stop until evening They are asking for someone that is NOT ME nor do I have anything to do with this debt. I want them to leave me alone. I suggested they contact the account holder and that suggestion, clearly had been ignored.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GLOBAL PAYMENTS DIRECT INC. (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Global Payments Check Services consumer credit report sent to me via mail.
Consumer complaint received 2024-01-10
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (GA)

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus
Consumer complaint received 2024-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (OR)

I missed a mortgage payment last XXXX. I agreed to a 6 month repayment program through loss mitigation to make up for the missed payment. 

Under the program, i agreed to pay XXXX for the months of XXXX XXXX XXXX XXXX XXXX 

I have been making said payments as agreed. On XXXX XXXX XXXX, i made XXXX XXXX payments for my XXXX XXXX XXXX payment, another one the first week of XXXX, and a third XX/XX/XXXX for XXXX. 

My mortgage company, freedom mortgage, claims i am 2 months behind on my payments. I called and emailed them saying i made my payments, and sent them the bank statements as proof. 

Freedom mortgage said they would review my case and get back to me. I waited until the deadline and sent them a message. They responded saying they needed more time to review. It has been over a month, and i still have no answer as to why the payments i have been making are not going through.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (NY)

Every week my Bank account is overdrawn severely due to earnin app sending repayment request to my bank which processes all request as soon as they are received. Now as part of their eligibility metric you must avoid a negative bank account to keep access to the payday advance. Each pay cycle my advance amount is lowered and lowered and earnins response was my account is negative each pay cycle so the amount i borrow Each time is lowered but overall Im having my bank account overdrawn by earnin. Last pay cycle i repayed earning about {$220.00} ; which my account was negatively impacted by for an advance that was initially {$200.00}. They also break up your advance amount forcing you to repay fees on both advance amounts. Example Im eligible to borrow {$200.00} but its broken into XXXX separate loans making the apr on both loans for XXXX week excessive and crazy IE : {$150.00} loan repayment is {$150.00} in XXXX days the next day they allow access to the {$50.00} which you would then be charged a XXXX fee for transfer plus a repayment fee
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I made a payment on XX/XX/XXXX and that payment was accepted and applied to my account. I then made another payment on XX/XX/XXXX which has yet to be applied to my account. I called on XX/XX/XXXX and they assured me it would be applied. I have not been sent a statement since XX/XX/XXXX but still made payments to avoid default. On XXXX Nelnet told me that I was in default and that my loan was sold back to the original servicer and that my payment was forwarded to them. So I called and held with XXXX XXXX for 50 minutes on XXXX. They could not locate my account and told me that my loan was not in default and not their hands. My account now shows " Paid in Full '' when I log into the Nelnet website. I still do not know where my {$300.00} went and I still do not know what status my loan is in and I have no idea how to get help when every person I have talked to at Nelnet has given me a different story about what is going on with my account. I contacted the XXXX office last night XXXX and they stated that my loan is in fact held by Nelnet and in good standings and advised that I should file this complaint. Lastly, prior to not being able to make payments, all of the payments I did make throughout the year have been applied to interest.
Consumer complaint received 2023-09-20
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. (LA)

Equifax continues to furnish unauthorized fraudulent identity theft inquiries from a car dealer. I didn't authorize these inquiries..please be advised that by LAW no inquuiries can be placed on any consumer report without written authorization. I have not signed any documents authorizing these organizations to provide my private credit history. 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GREAT WESTERN BANCORP, INC. (NE)

There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time
Consumer complaint received 2016-02-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Debski, P.A. (FL)

Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with XXXX.. on XX/XX/XXXX. first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing XXXX, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the XXXX, XXXX assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to XXXX either by insurance or the XXXX & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights
Consumer complaint received 2024-01-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (CA)

I placed two phone calls to Experian credit reporting agency to dispute unauthorized inquiries in XX/XX/XXXX and two different representatives refused to delete this information despite it violating my FCRA rights. The following hard inquiries are unauthorized and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-10
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. (CA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX