davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
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. (OR)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my XXXX XXXX, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC (MD)

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, TXXXXX In went into XXXX XXXX XXXX to purchase a sofa set in XX/XX/XXXX, I had just purchase and my credit would not allow me to get another store credit card, however the sales person told me about the making payments each month until it was paid off. 
Which I did, in XX/XX/XXXX I became ill and I reach out to XXXX XXXX and ask for the pay off amount a the amount was higher that the purchase price of {$990.00} it would be over {$4000.00}, I was in despair and request that they pickup and return, I was told yes they will call me and never did, as I went in for XXXX XXXX I continued to make the payments because I didn't want my credit to be damage, after recovering I call XXXX XXXX again and still no pickup, I contacted to main office still, this is going on now over a year. I have sent court documents and they were refused. this has no end now they have place on my credit report. I was reading up and saw that this? The Federal Trade Commission received 2,779 complaints about XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. More than 90 % cited aggressive collection tactics.how can a government office allow this to happen each day. why. I need help.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Not using any language or symbol, or any envelope, or in the contents of any communication affected by mail or telegram, that identify that the debt collector is inn, the debt collection business, or that the communication relates to the collection of a debt. The use of obscene or profane language, or language, the natural consequences of which to the abuse the hearer or reader
Consumer complaint received 2023-12-24
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. (IL)

XXXX CARD SERVICES Inquiry : XX/XX/2023 the bank I called said I filled out a application. And would not tell me the specifics of what the application. I said I never did. And they said they could help me, even though it will be on my credit reports for 2 years. A hard Inquiry caused my entire credit scores and good feedback on my credit do not reflect a big loan paid off didn't reflect what should be on the my credit rating and so forth. 
+ Bank ( XXXX ) XXXX
Consumer complaint received 2023-12-24
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. (GA)

I am writing to bring to your attention the apparent violation of 15 USC 1681c-2 regarding the blocking of fraudulent information on my consumer report. On XX/XX/2023, I submitted a package to Equifax containing my proof of identity, a letter explicitly stating my non-consent and non-benefit from the fraudulent activity, and a comprehensive identity theft report from the Federal Trade Commission. 


According to 15 USC 1681c-2, Equifax is obligated to block fraudulent information from my consumer report within four business days of receiving the aforementioned package. However, I recently received a letter from Equifax stating that the fraudulent information will not be blocked without re-submitting the documentation already provided. 


This discrepancy is a direct violation of the aforementioned statute, and I am hereby notifying you of my intent to pursue arbitration to resolve this matter. I urge Equifax to rectify this situation promptly, in compliance with the law, and to cease any further actions that contradict the legal requirements outlined in 15 USC 1681c-2.

The previous mentioned violation ( of 15 USC 1681c-2 ) constitutes a separate but continuing violation 15 U.S. Code 2068, each day of the violation constitutes a separate offense ( {$1000.00} each according to 15 U.S. Code 1681n ), the maximum civil penalty shall not exceed {>= $1,000,000}.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

My us bank reliacard account froze my account during covid pandemic I can not remember how long. Or when exactly it began.. but there was a balance of XXXX in my account and I could not. Access funds .. i. Called and and called and called usbank.because there was no notice of anything wrong with my account and. I needed the money to survive... I couldn't transfer money or use the card at ATM. I can't believe how difficult it was dealing with the issue my ex girlfriend _then current _girlfriend. And I were left on the street and I was told by customer service there was nothing. I could do. I lost everything because there was no solution... Other. Than call unemployment, I contacted unemployment office after a few days of the line being. Busy or just not working and waiting on the. Fone for hours.. no. Solutions.. I couldn't pay the phone bill I lost the ability to have the convenience. Of using I ter et.. I can tell. You the mailing. Address of where the uscard was sent to XXXX Texas originaly and where the address was changed to after the account was froze... But I have absolutely no documents because my ex wife and I had problems communicating and getting. Along because of personal issues and but. My name and. Social and I haven't changed my fingerprints
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024
Consumer complaint received 2023-02-18
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. (AL)

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 Bankruptcy Reference # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 USC 1681 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 written consent.
Consumer complaint received 2023-12-24
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. (GA)

XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, XXXX, and Equifax. I will be filing a civil suit about fraudulent information reporting on my consumer reports.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I would like to inform the proceedings of XXXX pay account. Today, I received an email to verify the payment method, which had the data of old closed credit card. This credit card was used to charge {$10.00} as a monthly payment for XXXX XXXX, every month. I have checked the payments profile and decided to dispute a content of it. It states the address is XXXXXXXX XXXX XXXXXXXX, United States. However, I have never resided in this town, but only in XXXX XXXXXXXX XXXX  where I have lived more than 19 years so far. I have checked the site of subscription and found there was no items to pay as the subscription ; therefore, it is difficult to consider I had the subscription of XXXX XXXX, which is under deputation. Regarding the charge of XXXX on XX/XX/2015, I found the business site of this company. And I strongly believe we got the subscription from the latter. Since the membership time to XXXX must have been acquired by my son, probably around in 2015, I am sure he does not play this game for extensive period and am not sure whether he remembers he had the subscription. Since I do not remember the charge on this closed credit card, I am sure I have not paid to this game company XXXX. Therefore, I want to request myself the explanation of situation regarding the charge on to this closed credit cards for, maybe, extensive period from your company, since the charges were made by your company, XXXX. 

Sincerely,
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. 


Account XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. 

I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. 

Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. 

In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. 

In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

During the timeframe of XXXX, student loans were acquired for XXXX XXXX by the use of forged documents and my stolen Social Security number . In an attempt to further conceal this activity, these loans were then consolidated under my name using online activity. I discovered this in late XXXX  when my wages were unexpectedly garnished through my employer. I have tried to resolve this matter through many attempts with XXXX XXXX who maintains that I am responsible. I have provided approximately 85 pages of supporting evidence of identity theft. However, XXXX refuses to provide me any documentation supporting their position. 

Since XXXX has continued to act in bad faith condoning this criminal activity, I have moved this loan ( approx {$56000.00} ) away from XXXX to the US Dept of Education - MOHELA.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

1. Jefferson Capital system keep reporting false credit reports and saying that I have debt with them at the amount of {$8600.00}. I do not have an account nor have I ever dealt with this unknown company.. 
2. XXXX XXXX XXXX keep reporting false report and putting this in my credit file in collections and I never have dealt with this company.
Consumer complaint received 2023-12-24
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. (NC)

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2024-03-09
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
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: EQUIFAX, INC. (AZ)

Equifax ; XXXX and XXXX should not be reporting a current balance of {$900.00} as well as XXXX XXXX XXXX days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-09-09
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, US DEPT OF EDXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), US BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 an account without my written instructions.