davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were fraudulently appeared. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/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 Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8100.00} 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 2018-10-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-07-18
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. (GA)

I am writing to file a complaint regarding inaccurate items on my credit report and kindly request your assistance in getting them removed. The incorrect information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached supporting documents for your reference, including correspondence with the credit reporting agency, payment and any other relevant evidence that substantiates my claim. I believe these documents will demonstrate the errors made by the credit reporting agency and support my request for the removal of the disputed items from my credit report and these are the following items needs to be removed : XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$290.00} ; XX/XX/XXXX XXXX Balance : {$610.00} ; XX/XX/XXXX XXXX Balance : {$550.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXXBalance : {$330.00} ; XX/XX/XXXX XXXX XXXX Balance : {$450.00} ; XX/XX/XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$680.00} ; XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (NH)

MaxLend makes 200 % in borrowing {$400.00}. This company and all others like them need to be shut down and held liable. You need to make sure they NEVER take advantage of any other person needing help. This is highly unacceptable and unfair banking. 

They took advantage of me as I fell on hard times and paid them back. Please shut disgusting practices like this down NOW.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (MN)

I sent letters that were not answered, ignoring my right to have accurate information about what they report about my credit, on the following dates : XXXX XXXX XXXX   Here are the issues with these accounts and you can see the inaccuracy incomplete, and unfair report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the 30 days late on XXXX   ; otherwise updated as paid as never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the correct balance $ {$16000.00} ; $ {$16000.00} OR {$15000.00}. Please provide me with the historical payment and historical balance. Verify this account with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me the historical payment and balance. That doesn't match the information in the records. Suppose you can't do that. Delete it. Why is the XXXX XXXX XXXX and the balance of {$1700.00} for installments account. 

Please send me an updated credit report once you have made the necessary deletions.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (FL)

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 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (PA)

I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (VA)

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 2022-11-09
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: Experian Information Solutions Inc. (VA)

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 2024-04-01
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. (NC)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Consumer complaint received 2023-01-24
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. (FL)

I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
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 2022-11-10
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: ALLY FINANCIAL INC. (CA)

In accordance with the Fair Credit Reporting Act, Ally Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-10
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (KY)

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX  who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX XXXX separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Consumer complaint received 2023-11-03
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. (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 Account Number : XXXXXXXX  Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX  Account Number : XXXXXXXX  Account Name : STATE OF MI OFFICE CHI Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-10
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)

Inaccurate late payments were applied to my Experian credit report levied by XXXX. The late payments are inaccurate because funds were readily available at the time those payments were attempting to be processed through my banking institution. Somehow the funds were processed from the wrong account ( Accumulations account ) that does not function as a debt account. The withdrawal was not processed through my checking account that handles all monthly bills. Documents can be provided to prove that funds were readily available in my checking account at the time XXXX attempted to retrieve the payments. This is merely some kind of technical era but not negligent on my behalf. Furthermore, my rights have been violated causing my credit score to drop by almost 70 points causing major financial issues. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ) and ACCT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-01
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. (CA)

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Transunion about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX