davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (NC)

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 2023-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (GA)

Pinnacle Credit Services has flagged my Credit Report with a collection of {$1500.00} from an old XXXX bill. I do not owe this money to XXXX. Pinnacle Credit Services has sent fraudulent information to the Credit Bureaus stating that I have an unpaid balance at XXXX for {$1500.00}. 

I 've contacted XXXX in regards to this debt and XXXX has no knowledge of this debt. I have disputed this debt with the credit bureaus to no avail. I 've sent multiple letters to Pinnacle Credit Services asking for validation of this debt with no response. Every month this account updates on my credit and is harming my credit and reputation.
Consumer complaint received 2023-05-30
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. (DE)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Brightside Benefit, Inc. (MI)

The Continued Discrimination and deprivation of rights by Brightside Benefit is as follows : I applied for a loan through Brightside Benefit with XXXX XXXX XXXXXXXX XXXX as a consumer pursuant to 15 USC 1692a ( 3 ). Brightside Benefit representatives has continued to illegally force a {$33000.00} base pay requirement in which they have stated that XXXX and XXXX XXXX  has instructed them to enforce that illegal base pay requirement. Upon speaking to XXXX and XXXX XXXX  representatives on XX/XX/2023 they both stated that the {$33000.00} base pay requirement does not extort and that I am free to apply the same as anyone else in which I informed Brightside of XXXX & XXXXXXXX XXXX. Brightside stated in the attached screenshot for me to obtain something in writing from XXXX XXXX XXXXXXXX XXXX in which I have. On XX/XX/2023 I spoke with Brightside representatives and they continued to enforce the illegal basepay requirement. Brightside Benefit representatives further verbally enforced the base pay requirements that they stated is enforced by XXXX, they then shifted the blame on my employer, they then shifted the blame to a question that I answered to apply for services. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have been knowingly with willful intent discriminated against by Brightside Benefit and their representatives. I have obtained a written email from XXXX XXXX XXXX XXXX XXXXXXXX that there is no basepay requirement whatsoever. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of Brightside Benefit and their representatives they are civilly liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. After emailing the XXXX email response attached below and adding it to the chat Brightside Benefit stated during a call held on XX/XX/2023 that they will have a manager contact me but they can not guarantee contact. The CEO of Brightside Benefit Inc. is XXXX XXXX. I have have yhos business many chances to remedy this matter. Pursuant to 12 USC 4502 ( 6 ) I have compensation in relation to employment not income. As a consumer I am demanding that Brightside Benefit provide the documentary evidence with supporting laws that they have the authority to dictate what I can and cant apply for as a XXXX XXXX and a National of the several states. This business has knowingly with willful intent caused me damages as an aggrieved applicant for their acts of discrimination and deprivation of rights practiced against me. This complaint was made in good faith, peacefully, and respectfully.
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX NA XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the Equifax data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.
Consumer complaint received 2023-05-30
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One claimed an alleged account was opened on XX/XX/2018 ( XXXX yrs, XXXX mos ) The account was closed on XXXX XXXX. 

The account is causing my score to drop tremendously. 

I have been in contact with capital one numerous times and have not gotten a response.
Consumer complaint received 2023-05-24
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXDEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-30
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. (TX)

Months 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 include it again. Kindly correct or delete the following items : 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 2023-05-24
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. (NC)

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 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 2023-05-24
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. (NC)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-24
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2021-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

i took out a payday 7yrs ago and it was for XXXX and now they want XXXX and they are harassing me and making threats they call everyday with threats about taking me to court and im on a fixed income and i told them that they want this money. and now they are threating me. i dont know want to do. im afraid of them and i have XXXX XXXX and i cant deal with them i need ur help to stop the harassment and threats. in XXXX the virginia attorney XXXX XXXX  saying he sued allied cash advance for alleging it violated state consumer protection and it was in the daily press. if i have to pay this money i wont beable to live i have a mortage bills and i dont get enough money to even live on. and the lost there payday license in XXXX i dont have a case number never got anything in writing from them no bill no account number nothing and i dont have a lawyer to fight them i cant afford one so please help me with this matter
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  Child Support XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-03-02
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. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$8600.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}