davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NV)

On  X/XX/16   , I made a purchase and used sister as my reference. Later, I learned she was a co-signer on acct. My sister was not present during transaction. On  XX/XX/XXXX , I went to the store and had the application redone to remove sister off account so that items would not go on her credit. I paid {$140.00} towards a different finance company as a down payment to start a new contract. A few weeks later I noticed the item on my credit report and my sister informed me that it was on her credit report also. I called Synchrony Bank and spoke to  XXXX  twice. I faxed documents showing original paperwork on  XX/XX/XXXX  and then new paperwork on  XX/XX/XXXX  showing credit back to Synchrony Bank. Synchrony Bank removed item few weeks later and now it is back on my credit report and it was never removed from my sisters credit report. I have sent paperwork showing the new finance company as well. Synchrony Bank still will not remove items from their account and my sister and my credit report. The new finance company is a rent to own company. Synchrony Bank has been reporting to my credit reports and my sister 's credit report negative information which they should not be doing since the account is no longer with them. In the attached documents, you can clearly see dates, the credit amount that Synchrony Bank is suppose to credit on the account and the new finance company with its amount and dates of transaction. Synchrony Bank is illegally trying to get me to pay for items that are not on their account and in the meantime are reporting negative information to all   XXXX   credit bureaus which has caused great harm to m y credit score and my sister 's credit score. There is suff icient and clearly recognizable documentation showing purchase, credit to be returned back on Synchrony Bank account, and new finance company with same items and amount to be started with new company. As i stated above, the new finance company is a rent to own company.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Resurgent Capital Services was the former name of LVNV Funding LLC. 

I have told them for months, this DEBT is not mine. They sent a lousy statement with my post office box. 

Anyone could have used this and did a forwarding. I reported this as ID theft some years ago. 

I want it removed immediately.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have unauthorized and inaccurate items on my credit report. LVNV FUNDING LLC is legally furnishing my credit report. I sent a verification notice. I received no response. But, XXXX stated the collection Item is verified accurate by creditor. I sent Notice to request proof of the exact amount of debt purchased between LVNV Funding LLC and XXXX XXXXXXXX to LVNV funding DIRECTLY. I did not receive an response. A week later, The items were deleted by XXXX and XXXX. Creditor failed to provide proof of original debt contract between XXXX XXXXXXXX And LVNV FUNDING LLC. Therefore, reporting inaccurate and unverifiable information committing tax fraud and identity theft. I have copies of each Notice Ive sent to LVNV Funding LLC. I also have the copies of the notices Ive sent to The credit Consumer Agencies in general. I have yet to receive a copy of original debt contract or proof of a contract between myself and XXXX XXXX. 15 usc 1681b states facts on this matter.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (UT)

GURSTEL LAW FIRM, XXXX XXXX XXXX are committing identity theft and fraud. Without any authority, are trying to sue and collect on a debt they have absolutely no contract on. They are using deception to pursue their attempts. I do not consent or wish to contract with them. I requested proof of claim via the CFPB Portal and they equivocated my request. I have never received any notice of transfer from XXXX XXXX XXXX  nor did I agree to XXXX XXXX XXXX selling any of my information. This is therefore fraud and Gurstel Law Firm knows they are committing fraud. They have not produced XXXX document to validate their claim. The address they have used belongs to my private XXXX. There is no contract to the XXXX address or any business that would permit them to contact anyone at that address. 

This is notice to the CFPB, the FTC, the Attorney General and all other agencies who govern matters of the kind.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-01-27
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. (CA)

I have requested a verification with Experian multiple times of the reporting of a chapter XXXX bankruptcy ( Chapter XXXX Bankruptcy # XXXX ). They have reported that they have conducted an investigation which left the item unchanged. 
Experian is reporting that the item was filed XX/XX/XXXX. Also show that it was discharged in XX/XX/XXXX. 

I have concluded that this item isn't mine and that this item is being reported inaccurately. First Chapter XXXX filing are discharged generally within 60 to 90 days after first set meeting of debtors. Within 21 to 40 days there needs to be a meeting of the debtor and creditors. 

I list these items which first are in conflict with what Experian is reporting on my credit file. If there is an investigation conducted this should be corrected that the item was either filed XX/XX/XXXX which indicates that it being discharged is inaccurate due to the law for Chapter XXXX filings, are that the item was filed in XX/XX/XXXX with no indication of when the item was discharged. 

They also claim in verifying the record that they contacted XXXX XXXX ( from a previous request for verification ) which contacted XXXX XXXX and XXXX which both indicated that my credit file was frozen from a previous identity thief attempt. And that Experian would need my permission to access my credit file with both vendors. I have not given any such permission.
Consumer complaint received 2024-02-04
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: National Credit Adjusters, LLC (FL)

National Credit Adjusters amount of transaction XXXX I disputed transactions with all three credit bureaus. Once information was received regarding the original creditor, I agreed with the transaction. However, XXXX states the remark of the Consumer Disputes charge must remain on my credit report. I am no longer disputing this transaction and would like it removed.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Equifax had a breach. My information was stolen and is now on the dark web including but not limited to my social, birth date, address, email address, and phone number. I have told them many times about this. However, they have refused to fix any issues with my credit. I had to file for bankruptcy. Then the companies of course want to use the excuse of bankruptcy to not remove the items from my report. They like the others have allowed many companies to add the same account more than once and will not remove the duplicate accounts. They refuse to honor the identity protection or to pay the cost of getting it repaired as the court ordered them to in a huge lawsuit that was filed against them.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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. (MS)

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 XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX have all 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.

Because of the illegal reporting of these accounts I am unable to purchase a home for myself and my daughter.
Consumer complaint received 2021-08-01
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. (IL)

1.XX/XX/XXXX fraudulent hard XXXX inquiry remains on file even though XXXX has removed it from the XXXX file. 

2 Attempted to review credit report through XXXX XXXX XXXX and was denied access on XX/XX/XXXX and XX/XX/XXXX because I could not answer questions posed : a. ( i.e.retail credit card opened in approx XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX card opened in XXXX. Never had the others ) ; b. bank card opened in XX/XX/XXXX -- none applied to me from the list ) c. ( Auto loan lease in XX/XX/XXXX ) none : have XXXX cars on is a XXXX and XXXX ) d. ( total monthly auto payment ) ( have no auto payment ) Either Equifax is attempting to harass me or has mixed my file with another consumer. 

Note : my credit score with XXXX via Equifax has mysteriously dropped XXXX points since XX/XX/XXXX :
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (OH)

I just noticed that there is a charge from a collections group that I have no knowledge of. I need this removed immediately. Also this debt collector has no authority legally to even give information to the credit burea with out my consent. This would be an invade of privacy and certainly against the law. Now I ask this gets removed immediately because I have zero knowledge of this account.

15 U.S. Code 1681- Congressional findings and statement of purpose *There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. *
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2024-02-04
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. (DC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-14
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. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (SC)

XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : 1 ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - XXXX XXXX XXXX  XXXX ) 15 US Code 1681a ( 2 ) ( B ) - XXXX XXXX XXXX, XXXX XXXX ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT XXXX ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN XXXX INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (OK)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-08-10
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2023, I applied for a credit card through Capital One and was illegally denied. 
After being denied, I send an adverse action letter to Capital One on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction. 

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information.

18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan.

I will also send a Notice of Default to Capital One for not responding to my Adverse Action letter or my demands for remedy.

Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.
Consumer complaint received 2024-02-03
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. (TX)

I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :   1.  XXXX    XXXX   XXXX  2.  XXXX    XXXX   XXXX  3. XXXX   XXXX   XXXX  4. XXXX   XXXX   XXXX   5   XXXX   XXXX   XXXX   XXXX   XXXX .
6.  XXXX    XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX