davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

LVNV funding is resurgent collection. I have the two e-mails still to prove they closed my two collection accounts and canceled my two payment arrangements. I went to XXXX website but it takes me straight to resurgent capital services. They have no right to continue to report every month to my credit file if they have closed them. XXXX is lying in their responses just to continue to harass me and wrongfully report these two collection accounts. They still deny it even though I have sent proof. Just more XXXX of course they are going to deny harassing me.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My card was recently renewed at my request, and I subsequently was billed from a recurring account that I had not yet provided updated information. Upon inquiry, I discovered that the Visa card information, with Capital One as the user had been provided by either Visa or Capital One or both. I tried to get an explanation and where they had obtained such permission from me. The explanation was that they had the inherent authority to do so, irregardless of their lack of knowledge of my actual account details. They act only with the information that previous recurring charges have been made and do not ask for permission or provide notification. This does not appear be legal and certainly not ethical. I have requested that they provide me details but they only " launched an inquiry '', not accepting any sense of wrongdoing or overstepping their authority. I want such action to require my approval, just as it obviously requires the knowledge and approval of all the credit entities and the merchant9s ) involved. 
This a major abuse of authority as I may have cancelled the original card to preclude illegitimate charges from an ongoing account. In this case the charge was legitimate but they had no knowledge of such at the time they allowed the data to flow to allow the charges.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-11-20
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. (GA)

After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. 
I at no time gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AZ)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C1681 section 602 A. States i have a right to privacy.15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. 
NAVY FCU account number XXXX NAVY FCU account number XXXX NAVY FCU account number XXXX XXXX  account number XXXX XXXX XXXXXXXX account number XXXX XXXX  account number XXXX XXXXN account number XXXX XXXX account number XXXX XXXX XXXX ( original creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) account number XXXX XXXX account number XXXX
Consumer complaint received 2024-04-05
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: EQUIFAX, INC. (MI)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be fraudulent due to identity theft. These Items do not belong to me. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$12000.00} XXXX XXXX  XXXX **** XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Asset Management, LLC (AZ)

This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2023-06-07
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)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am an XXXX age XXXX woman living on Social Security Benefits, with no assets not even a savings account. My daughter has to help me pay some of living-medical needs solely. I have attempted to several times to payoff my high credit card debts with Bank of America. I was successful with making XXXX settlement agreements with XXXX out of the XXXX Bank of America cards. These Bank of America cards I have had over 10 to 15 years and paying interest rates well over 21-29 %, the balance never seem to be going down and because of my fix income I can not afford the payments. I was successful with help from a company with securing a settlement agreement that was accepted by Bank of America, which I have made 2 successful payments towards settling the balance. Please see ( Attachments below ) Due to the fact that I was making schedule payments to settled these Bank of America Accounts, I was assured that once a larger portion of these settlements with the XXXX BofA cards was within good standings, I was offered a settlement arrangement for the last BofA Card. This is where the deception from Bank of America started. Bank of America sent their law firm XXXX XXXX XXXX, XXXX. to threaten with a legal summons and even scared my family member who received the summons that they were going to take my house and seize all my assets. 
I did not believe it, why would Bank of America and XXXX XXXX XXXX, XXXX. say that, the shock cause me to seek medical attention immediately. Why would Bank of America and XXXX XXXX XXXX, XXXX. take threaten me with a summons on a credit card which they have already made settlement agreements on which was agreed on both sides. I am on a fixed income Social Security Benefits with no assets, XXXX, why would Bank of America and XXXX XXXX XXXX, XXXX. make these threats? I feel that it is because of my Age, I have read about companies taking advantage of the XXXX because we age getting older so taking advantage of XXXX and violate our rights. I really feel for all the XXXX and I pray for us, some of us were thought that we should pay what we owe and I have been using the little social security checks to paid off my high rate credit cards and even with me make settlement payments towards the Bank of America cards that they accepted. Bank of America and XXXX XXXX XXXX, XXXX. is still trying to use unfair deceptive and misleading practice, which violates the FDCPA. I pray for my XXXX, I pray for this county. Please see ( Attachments below )
Consumer complaint received 2022-11-27
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)

ftc report attached I am a victim of identity theft, the informatiion on my transunion credit report regarding inquiries are fraudulent -there are fraudulent hard inquiries on my credit report that does not relate to any transactions that i have made, this is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed XXXX Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion Fraudulent Inquiries XXXX XXXX XX/XX/2022 XXXX Transunion Fraudulent Inquiries XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NM)

Apple Card company purposly refuses to provide me a monthly bill. Apple Card purposly refuses to change my contact information. Apple Card purposly refuses to provide me a way to monitor my account unless I own an iPhone, which I do not. I believe this company is doing this in an attempt to charge interest to uneducated customers. I have never missed a month payment, but I am unaware and uninformed by the company of when my payments are even due, charges on my card and or any information pertaining to the card. 

Apple Card refused to change my phone number and instead insisted on giving a quiz that did not have any correct answers. Apple Card representative called my phone number and asked me if I have ever went by any other name which I have never.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n 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, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 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 2024-05-29
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MD)

This is about the accuracy of the report that XXXX is reporting. Simply, my name is XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX. I have sent my court documents to XXXX more than twice and the correction has not been made yet. This is and has caused me great pain in trying to get a home loan with two different names on your credit report. As for Experian I only need them to report my entire name as XXXX XXXX XXXX XXXX, I don't do business in the name of XXXX XXXX XXXX. I only do business in my whole name, XXXX XXXX XXXX XXXX. Please! Correct this!
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my XXXX XXXX My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX XXXX Account XXXX XXXX XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX XXXX Account number : XXXX The high balance is different across the XXXX credit bureaus. Experian high balance state {$0.00}. XXXX high balance states {$0.00}. XXXX high balance states {$1000.00}. 

XXXX XXXX XXXX XXXX Account number : XXXX Experian XXXX I have a 30 day late payment on XX/XX/XXXX. I paid on time XX/XX/XXXX.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (MN)

I created a XXXX XXXX account and I had the package that has the information in my car I couldnt find it anywhere week later and they change my login information from my accounts too I couldnt login anymore and I lost my permanent residence card I still havent got it and they start applying for credit cards with my information
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.