davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (NY)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph 3, the term consumer report does not include- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer report, and I noticed that it is reporting my Experience Capital One.

The line of credit balance I have with Capital One, which is characterized as utilization on my consumer report. 
THE DEFINITION OF CREDIT CARD UTILIZATION IS THE BALANCE OF WHAT I OWE FROM THE TRANSACTIONS I MADE SO PLEASE DO NOT CLOSE MY ACCOUNT AND PLEASE DO NOT DELETE MY ACCOUNT
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (SC)

My name is XXXX XXXX XXXX XXXX. 
A Debt collector going by the name of 'JEFFERSON CAPITAL SYSTEMS ' has been trying to collect a debt of {$1500.00} since XX/XX/2019 that I do not owe. They claim I made a deal with XXXX for the above amount back in XXXX  that I was supposed to pay back within a month to XXXX. 
I was homeless and collecting XXXX in XXXX  and currently still carry a XXXX XXXX  XXXX XXXX card with client I.D . XXXX I attained in XXXX XXXX  at XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also was receiving mail at a homeless shelter called XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My contact there was XXXX XXXX. 
I had absolutely no business with XXXX for the amount owed and have had no business with XXXX since about ten years ago. 
The charge is not only false it's fraudulent! 
Please investigate as this is not simply a matter of credit worthiness or principal but a matter of greater importance being fraudulent. 
I had no idea about the charge until I was finally able to view my report just this month. 
I want to note that the charge has caused me considerable damage. It was a major factor in why I couldn't get an apartment. I'm now living at XXXX XXXX XXXX XXXX in XXXX XXXX  and hope to finally get an apartment soon by way of XXXX XXXX XXXX here in XXXX or through the XXXX XXXX. 
Again, the debt collector is 'JEFFERSON CAPITAL SYSTEMS ' and their address is listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number listed as ( XXXX ) XXXX Please let me know if there's anything else you need from me. My number is XXXX and my name once again is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-25
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)

Mailed a certified letter to Equifax on XX/XX/2023, requesting an investigation into the unauthorized hard inquiries including detailed description of all procedures used in this process to determine the complete accuracy of information reported. 

On XX/XX/2023, Equifax responded to my dispute via mail in the form of an updated credit report ( # Confirmation XXXX ) with results from the dispute stating : " Inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
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. (CA)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX FIN # XXXX. 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2023-02-21
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. (TX)

In accordance with Fair Credit Reporting act XXXX 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 166b A Creditor MAY NOT treat a payment on credit account under an open and consumer credit plan as late any reason.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I 've called Experian at least 4 times in 3 days. XXXX hour holds and then hang up. No one picks up the phone. I 've ordered to review my credit report. The first 2 days they showed all three scores great ; however within my 14 day trial I have not been able to review anything other than the experien score. I tried calling no response so I tried cancelling and still no response. This is my last resort. I 'm still in the trial period so they should not charge me anything extra.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a 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 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

This debt has been sold to another company. The age of these debts is over 7 years old and they kept selling it to come back at me. What can I do to protect my credit score when they keep hitting with a new company? RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC aka XXXX has been hounding me for years they sold to RMP, LLC and now hitting my credit. What is there to do to protect me from this?
Consumer complaint received 2017-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc (MA)

I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX 
My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (SC)

This company has hand mailed me 2 letters within the month now and these are n't regular collection notices, these are " court order '' documents with my name and address on them but no other information such as a judge or his signature on the document and also..no notary stamped anywhere. They have threatened to garnish my wages also.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act 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
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-06-21
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. (FL)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Please remove these 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
Consumer complaint received 2023-02-15
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or a 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 2023-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I am the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have had a PapPal account for many years. On XX/XX/2023 PayPal effectively froze our account ( can't accept payment from members, can't transfer our funds which are many XXXXXXXX XXXX XXXX, can't pay out organizational bills from our balance as we used to prior to XX/XX/2023 ). 

I have called multiple times and spoken with many " supervisors '' over the last many weeks. Every time I am told that none of the departments that speak to clients ( customer service and limitations department ) are not able to clear the " limitations '' and only the " back of the house '' can do that. However, that department does not speak to customers. 

Many documents ( attached herein ) verifying our status as a non-profit have been requested and sent on a couple of occasions. 

We have had to verify our non-profit status with a few other companies ( square and stripe ) recently and they were able to verify everything within a few hours. 

I have heard of a class action lawsuit against paypal that our independent contractor in-house counsel has been a part of with other companies she works for. 

We just want to get our funds from them and solve this issue. 

Thank you, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-09
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX  XXXX XXXX Balance : {$300.00},, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : -, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : US BKPT CT GA XXXX XXXX, Bankruptcy XXXX  XXXXdischargedFiled on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, XXXX XXXX NA Inquired on XX/XX/XXXX,