davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (KY)

My vehicle went into repossession. I was told to pay XXXX to stop repossession. I did pay that in the amount of XXXX! Today when trying to acquire a loan I was told that I have a Charged off debt on my XXXX XXXXXXXX XXXX! 
XXXX XXXX told me to pay to stop repossession, but after paying, they put on my credit that the debt was charged off as bad debt! I am still making my monthly payments and they never sent a letter or notice that they would charge this account off, even after catching up all payments to stop the repossession. Now my credit account is showing this account as closed and I still have a vehicle I am making current payments on. Deceitful practices! They gave no notice, letter or call saying after they receive my payments they would close this account. I paid in full to make this account current.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CO)

In XX/XX/2019 I had the unfortunate circumstance of requesting an online payday loan with a company named Loan at Last. At first I borrowed a {$300.00} loan, and once it was paid off, borrowed a smaller {$200.00} loan, and once that was paid off, borrowed a {$600.00} loan. I paid it off quickly but realized I needed to reborrow the {$600.00} amount. This was late December 2019. I made 3 payments as per my loan agreement of {$97.00} until I could no longer afford to do so after losing employment due to the COVID-19 pandemic along with millions of other individuals. Company restructured my loan and lowered the interest rate to 244 %. The initial interest rate was over 600 %, a similar rate to the previous 3 loans I had with the company. The remaining balance was {$570.00}, and nearly a year later I still have not managed to pay the balance off. Company has stated mutually agreeable solution was reached. This is inaccurate. I have requested the remaining balance of {$250.00} be forgiven multiple times to no avail. I have all my bank transaction records to prove the hundreds of dollars I have paid in interest. I contest the remaining balance of {$250.00} and am in complete disgust that they are allowed to operate legally. I have spent almost {$900.00} on the interest payments alone, not including the actual principal loan amounts, paying off my loans with this company since becoming a customer in 2019. I have thoroughly read all of the loan agreements. I know that some representative will write a response to this complaint justifying their actions. There is no justification. It is extremely unethical and predatory to charge 600 % interest. They are trapping consumers in an endless debt trap from which there is no way out, and they are fully aware of this. Claiming these are high risk loans to consumers with poor credit is their excuse, and I hope the day finally comes when lenders of this type will be prosecuted and put out of business.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2023-08-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. USAA XXXX XXXX. a. Acct # : XXXX b. Last reported : XX/XX/21 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (TX)

It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.
Consumer complaint received 2023-01-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent XXXX, XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX XXXX reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 60 days and XXXX, XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, XXXX, equifax must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX XXXX following account is not mine and has not been verified please delete XXXX following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate XXXX. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2021
Consumer complaint received 2023-02-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX Bank - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX XXXX  - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - 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 2021-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BHA Services (PA)

This company is calling me, my family members, and in-laws in regards to a debt that I dont believe I have. They only use my maiden name, and Ive been married almost 20 years and have used my married name since. Ive recently had my identity stolen by ppl who opened checking accounts in my maiden name. I do not know if this group is even a legitimate company, because it sounds very much like a scam. I do not know how they have family members names and numbers, but I know I was a part of a data breach for XXXX. They may have gotten these records from my emergency contacts. My social security number was compromised in at least one data breach, because one of the banks stated that it was used when opening an account.
Consumer complaint received 2023-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX XXXX reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section XXXX ( a ) ( XXXX ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below.. It has been more than 60 days and XXXX, transunion, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, transunion, XXXX must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX XXXXThe following account is not mine and has not been verified please delete XXXX following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate 3. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2021
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2017-05-03
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. (DE)

XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract
Consumer complaint received 2017-10-17
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: U.S. BANCORP (MN)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 ( XXXX XXXX XXXX ) this is not my name. 

( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXXXXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$380.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$780.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$980.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX XXXX  ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 

( XXXX  XXXX bankruptcy discharged ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) This is not my bankruptcy. ( XXXX XXXXXXXX XXXX  ) XXXX - I did not authorize this inquiry.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a new Capital One 365 checking account around XX/XX/XXXX for {$400.00} sign up bonus. Three months after I met all the requirements for the bonus, Capital One closed my account in late XXXX without any notice. I was not honored the {$400.00} bonus.