davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-01
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. (GA)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : Account with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account with XXXX  XXXX Account Number : XXXX Account with XXXX XXXX XXXX XXXX  Account Number : XXXX Account with XXXX XXXX Account Number : XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF EDXXXX XXXX also known as Department of Education XXXX XXXX is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX.IS A DEBT COLLECTOR WHICH IS TRYING TO COLLECT ON A DEBT, THAT MY INSURANCE SHOULD HAVE ALREADY TAKEN CARE OF, ME BEING ON MEDICARE WITH ALSO A SUPPLEMENTARY INSURANCE THROUGH ANTHEM. THEY ARE CLAIMING I OWE XXXX FOR REFERENCE # XXXX. IF SOMETHING IS OWED, THIS COMPANY SHOULD TALK TO THE INSURANCE COMPANY NOT ME. I WANT TO DISPUTE THIS ON MY CREDIT FILE, AND HAVE IT NOTED AS SUCH, AND REMOVED. ALSO IM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED BY THESE SCAMMERS.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To : Equifax I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Payfare International Inc. (AZ)

On XX/XX/2023 there were 2 credit transactions that showed posted and were never added to my available balance. I tried contacting the company numerous times and they ignored every call. 
Transaction 1 : {$5.00} in rewards redemption Transaction 2 : {$9.00} in Earnings
Consumer complaint received 2023-03-15
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. (NY)

last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the Equifax Data Beach because i received a letter in the mail from Equifax letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.
Consumer complaint received 2022-12-06
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. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXXLVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX. 

To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX/LVNV FUNDING will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX/LVNV FUNDING failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that XXXX/LVNV FUNDING failed in doing so.This account is inaccurate and XXXX/LVNV FUNDING had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, RESURGENT/XXXX XXXX is in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX Beneficiary Christian man, in XXXX XXXX XXXXXXXX XXXX With Prejudice
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
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 — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

On or about XX/XX/2023, Chase increased my credit card limit from XXXX XXXX to XXXX  XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from XXXX XXXX to XXXX XXXX. Subsequent to this reduction, my credit score reported by XXXX and other similar agencies and reported by Chase DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of Chase correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with Chase. They have done nothing regarding either complaint. 

My credit score is now down XXXX points as a result of Chase taking action without my request or approval and subsequently correcting it at my request. Chase simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by Chase of more credit card volume without having a conversation with me, their client.
Consumer complaint received 2017-05-18
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. (IL)

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Consumer complaint received 2020-07-31
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. (VA)

XXXX XXXX XXXX ( collector for XXXX XXXX XXXX ) is reporting collections on my transunion report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with transunion & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account
Consumer complaint received 2017-05-18
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. (IL)

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates (AZ)

The company i work for which is   XXXX   garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.
Consumer complaint received 2023-04-11
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OH)

The contract clearly State XXXX XXXX and the address is for XXXX XXXX. I have never lived on XXXX XXXX and I am not XXXX XXXX, That is also not my Social Security number. This debt is not Validation for them to try and collect. This company is violating Federal Rule of Civil Procedure 60 ( b ) ( 6 ) ( " Rule 60 '' ). This company is violating the Fair Debt Collection Practices Act 807. False or misleading representations, 812. Furnishing certain deceptive forms. They have provided no proof of Validation of debt.

Violating 805. Communication in connection with debt collection 812. Furnishing certain deceptive forms ( Provide forms that the contract was written for XXXX XXXX ), 816. Relation to State laws ( Has no right to operate in Ohio ), 805. Communication in connection with debt collection ( continued to text me after they were told to stop all communication ). I still have all messages.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates (AZ)

The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.