davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (GA)

I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Consumer complaint received 2023-06-27
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX, have 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 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 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Remove and delete all information.
Consumer complaint received 2023-06-27
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)

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

In XXXX XXXX I consolidated XXXX of my federal student loans. The interest rate was fixed, and I had {$20000.00} in outstanding principal. I have always made my payments in full and on time, and have even made some payments ahead of time so I am now paid in advance by 5 months. 
In XXXX XXXX I received a letter in the mail saying the loan servicer updated my payment schedule. My monthly payments went from {$130.00} to {$160.00}. It did n't make sense to me that I would need to pay an extra {$24.00} each month if my interest rate was fixed and I 've never missed a payment. I called the loan servicer to find out why the change, and they indicated that a recent review of my account showed that the amount I was paying each month would n't be enough to pay off my loan by the payoff date. After hearing this I essentially asked them, " you acquired the loan in XXXX, and it is just now being reviewed? '' and they said yes. I feel like I 've been taken advantage of, the loan servicer did not do their due diligence in managing my loan, that they did not act responsibly in handling my loan at the time it was acquired, and my trust in them has been broken.
Consumer complaint received 2023-06-27
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. (TX)

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. 

The letters are stated with items and issues. 

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 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (KS)

First found sequium asset solutions on my credit report XX/XX/2019. The reference stated this was for XXXX XXXX with an address in XXXX XXXX. I have not lived in XXXX XXXX for 15 years. I called sequium and stated my name and asked why this was on my credit report. They had no record of my name or a debt and that I needed to call XXXX. Contacted XXXX and they can give me no information having given them my name. Seems like I was sent on a wild goose chase. Sent a validation letter to sequium over a month ago and have not received a response
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC. (GA)

XXXX XXXX XXXX for my mom she was unable to pay the monthly payments and the car was repossessed and scraped for parts with a remaining balance of XXXX but only {$4000.00} is showing up on my side and now say closed and sold as bad debt, to another lender as of XXXX XXXX
Consumer complaint received 2023-07-04
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00}-
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Financial Credit Services, Inc. (IN)

I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Yakima County Credit Service, INC (WA)

I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I received a statement from old apartment center XXXX for due of XXXX $ upon contesting XXXX $ of the charges were dropped & I made a reminder of the payment for XXXX . IQ SENT the reminder as a due to my credit report and upon disputing and raising it on my CFPB it was pulled off. Now in retaliation they sent a new letter for XXXX $ ( ref number XXXX ) without any supporting documentation from original creditor showing what the charges are for. Since IQ has all my information they are going the route of intimidation by sending debt collection notices for a debt not owed. 

IQ never sent me the receipt for the XXXX $ I made even after repeated attempts asking for the receipt and I never got a XXXX dollar statement from IQ for the reference letter XXXX. They are causing me extreme stress with these false debt collection notices.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recover, LLC (IL)

I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything
Consumer complaint received 2023-02-27
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  Account # XXXX has violated my rights. 15 USD 1681 Section 604 states, I have the right to privacy. 15 USD 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USD 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as for any purpose.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (AZ)

I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.
Consumer complaint received 2023-03-04
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$360.00}
Consumer complaint received 2024-02-07
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to formally dispute a debt collection notice that appears on my credit report. The collection notice in question is related to PORTFOLIO RECOV ASSOC XXXX, Account Type : Debt Buyer, Date Opened : XX/XX/XXXX, Status : Collection account. {$67.00} past due of XX/XX/XXXX, Paid off : 97 %.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically

15 USC 1692c, I am entitled to certain rights and protections regarding debt collection practices. I believe that the handling of this debt collection notice does not comply with the requirements outlined in the FDCPA. Here are the specific reasons for my dispute : 1. Lack of Verification : I have not received adequate verification or validation of the debt as required by the FDCPA. 2. Inaccurate Reporting : The information reported regarding this debt is inaccurate and does not reflect the true status of the account. 3. Violation of Communication Restrictions : The debt collector has violated the communication restrictions outlined in 15 USC 1692c by [ describe any specific violations, such as excessive calls or improper communication methods ]. I request that you investigate this matter thoroughly and provide me with the following information : Verification of the debt as required by law. Details of any communications made by the debt collector regarding this debt. Any documentation that supports the accuracy of the reported information.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-07
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-07
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. (CO)

Per the FCRA as a federally protected consumer, I am now opting out of all authorization with XXXX. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.