davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

I have been going back and forth with the XXXX credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AL)

I have requested several times back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for National Credit Systems to cease all collections efforts on this debt because I notified them that I refused to pay the debt and that in accordance with 15 USC 1692cc, once a consumer notifies a debt collector in writing that they refuse the pay the debt, then the debt collector must cease all communication including deleting the tradeline from the credit reports because reporting is a form of communication. The letter I sent is below ....

I am refusing to pay the above referenced debt.

In accordance with 15 USC 1692CC, since I'm notifying you in writing that I'm refusing to pay this debt, you must cease all communication. Publishing this account on my credit reports is a form of communication and a direct violation of the FCRA and FDCPA. 

15 USC 1692CC clearly states, " If a consumer notifies a debt collector in writing that the consumer refuses to a pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, then the debt collector shall not communicate further with the consumer. 

Once again, reporting this account on my credit reports in a form of communication and a direct violation of the FCRA and FDCPA. 

Delete this account in 7 days by XX/XX/XXXX or I will sue you for false reporting, deceptive and unethical practices, and willful noncompliance as described in 15 USC 1681N.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC (MD)

I have been with Lexington Law firm and XXXX for almost 16 years combined and still their systems reports inaccuracies in my reports, they don't fix or get rid of inquiries that was past last years and they keep having inconsistencies in my reports where I can't get ahead in my credit. Also they keep overcharging for services they claimed to have, but not exactly have those services and bad practices. 

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 — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

I have been goin back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in new jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : Online Information Services  XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp (NJ)

I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (GA)

I noticed a collection on my credit report from Zion Debt Holdings and opened a dispute on the XXXX XXXX. Shortly after, on XX/XX/XXXX, Zion Debt Holdings ( ZDH ) texted me. The company ZDH claimed to have bought my supposed account XXXX  for {$500.00}. They claim I had this service for 5 years starting in XXXX  ( All of which is false. ) I asked for a copy of the supposed contract I signed with XXXX  and have not received it. I called Zion Debt Holdings today on XX/XX/XXXXXXXX  from the number listed the XXXX app and tried to explain to the company I am a victim of fraud. ZDH told me to call my local police station. 
I do not have an alarm system. I did not sign a contract with XXXX in XXXX  nor did I have professional security service for over 5 years. 
I have had unusual, fraudulent activity from person ( s ) using my personal information in the past to set up light/ utility accounts and other purchases.
Consumer complaint received 2024-03-16
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. (NC)

On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and anxiety due to the fact that it taints my character as a consumer.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

For years the various credit reporting agencies, not the creditor, have listed valid credit history belonging to my brother incorrectly under my credit file/report. For years, I have disputed their incorrect reporting, which would then be corrected. 

Currently, however, Equifax has no information for me at all. They do not have my S.S. number, name, address or ANY credit history listed for me, even though both XXXX and XXXX have correct credit information listed under my name/SS number/address, etc., according to Equifax I do not exist and have no credit history with them.

If a creditor/merchant can not erase my credit history, only report credit information, then it appears Equifax is the responsible agent for causing me financial harm as I was currently turned down for a loan and not able to buy internet services as both merchants rely only on Equifax to the exclusion of the other two credit reporting agencies.

In this day and age of credit fraud, and with my understanding that Equifax has faced/is facing government scrutiny due to fraudulent activities, I am very Leary of sending personal data to a reporting agency that continues to make mistakes on their end.

Therefore, I am wondering if I can get help from the CFPB in this matter.
Consumer complaint received 2022-11-23
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. (PA)

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 XXXX : Account # XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1861c ( a ) ( 5 ) Section State : 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 1861s-2 ( A ) ( 1 ) A person shall not furnish any information remaining 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 2023-05-13
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. (VA)

This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and severity of not taking my situation seriously. It has cause financial injury and defamation of character along with 43 plus days of no response.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: DriveNow Leasing LLC (NC)

This dealership scammed me for years they kept intimidating me and not giving me tags or my title that so long ago should have belonged today : the purchase purchase price of the truck is XXXX And I have paid XXXX So far. 

They tricked me into signing some extra contracts to say that I had to pay triple of what the original contract was worth they done repo truck and trailer the way it set up it was 175 precut interest they refuse get my tags I cant not run with tags expired to make the money make the payments
Consumer complaint received 2022-11-18
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. (FL)

In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I traded in XXXX XXXX for another XXXX. Our XXXX was already in the middle of being processed. This was in XXXX of XXXX. The refund check was for {$700.00}. It was sent out in XXXX. When checking multiple times with my dealer in XXXX and XX/XX/XXXX. They could not see the check being received. The check was apparently sent to a different dealer in a different town. With the help of the XXXX XXXX we spoke to Kia Finance on the phone to have the check reissued to the proper location since they at that time would NOT issue the check directly to me. XXXX weeks later I called Kia Finance to check that the check was sent. It was NOT reissued or sent. I asked why and they could not give me a reason. I asked for the check to be reissued this time to me and they said they needed written agreement from the dealership. This option was NOT offered when I WAS with the dealer and could have easily done that. I asked for both the check to be finally reissued as well as someone to make an official complaint. I was told that person from the complaint department would call me in XXXX days. They did not call me until approximately XXXX  days later. I waited another XXXX weeks and called to check the status and now they said they tried to call me and were only able to leave a message. I informed them this call was ONLY to complain about their multiple issues with getting me my refund. I informed them that the check SHOULD HAVE BEEN REISSUED BEFORE I even received the call from the person in the complaint department. I tried calling the person that did leave me the response for the complaint however their calls to me only seem to be right before their end of day and I have been unable to get in touch with them and I have left multiple voicemails. This has been XXXX months since paying off the car for me to receive my refund check which as of today XX/XX/XXXX. I still have not received and the company still has not issued. I should have received in XXXX.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX of last year Bank of America offered a program to make a payment plan to bring the balance on my credit card down. I met all the requirements on my payments as well as making future payments. I recently tried to use the card today to catch an XXXX. There was an error message so I called customer service. They claimed the account had been closed since XX/XX/2023 and I should have gotten a letter by the mail. I didnt receive any letter nor an email or notification within the Bank of America app inbox of the account being closed. I have been making on time payments of {$81.00} by the XXXX of the month via the mobile app.
Consumer complaint received 2023-05-13
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. (MO)

This is my six attempts 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please remove:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX ; 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
Consumer complaint received 2023-02-24
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. (SC)

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : XXXX, XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
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. (OR)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX OF XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX hav

e violated my consumer rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I am being charged by XXXX XXXX and Jefferson Capital for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the 3 bureaus and the creditor themselves. I was in XXXX XXXX from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.