davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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. (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.

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 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

Back in XX/XX/XXXX XXXX XXXX XXXX repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even.

In XX/XX/XXXX, TODAY hey are reporting on my credit report like this just happen inXX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM A VICTEM OF XXXX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (VA)

On XX/XX/2021 I ordered a XXXX XXXX Digital Piano on the Music and Arts website ( XXXX ) for {$680.00}. The digital piano would be delivered to XXXXXXXX XXXX XXXXXXXX store listed below, where I would pick it up. I was notified that the piano arrived at the XXXX store on the XXXX of XXXX. I picked up the digital piano on XX/XX/XXXX from the XXXX store. After unpacking the piano, I discovered that three keys in the center of the piano were jammed and could not be moved. I called XXXX XXXX XXXX in XXXX and explained the issue with the piano. They instructed me to bring the piano back to the store so they could order a new one. I dropped the piano off at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. Since I had to return the defective piano, the store employee informed me that he would consult with the manger about delivering the piano to my home. On XX/XX/XXXX, I received an email about the piano arriving at the store. I waited for a call or email about the delivery date. Nothing was received so I reached out to the store on the XXXX of XXXX. An employee of XXXX & XXXX informed me that my replacement piano had been sold to another customer because my name was not affixed to the order. He was very polite and apologetic and informed me that the manger would call me on Monday the XXXX to make things right. That is the last communication I received from the XXXX store. On XX/XX/XXXX I contacted XXXX, and asked them to reverse the charge on my card. I received no bills or communication about a bill from the XXXX XXXX XXXX store in XXXX or their corporate office, until I received a bill and collection notice on the XXXX of XXXX. I feel that XXXX & XXXX is using the collection system to punish me for reversing the charges on my card when they failed to provide a replacement piano, sold my piano to another customer, and repeatedly failed to communicate with me about replacing the piano I returned. On XX/XX/XXXX, I called the number on the XXXX & XXXX bill, and explained the situation to XXXX no title given. She seemed to agree that I took appropriate steps and informed me that her manager would call me back the next day. Unfortunately, I didnt receive a call or email from her today. Can you assist me with this matter or provide guidance what steps I should take? 
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX The corporate office appears to be : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The debt collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-03-13
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.
Consumer complaint received 2022-10-30
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. (MD)

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  - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account 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 2024-02-27
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to dispute a collection account that has been reported by XXXX XXXX XXXX XXXX  on my credit report. 

XXXX XXXX XXXX XXXX : XXXX This collection account is past the five-year statute of limitations, and therefore, should not be reported. 

Furthermore, I would like to emphasize that this debt does not belong to me. I did not receive any notification within 30 days from XXXX XXXXXXXX XXXX XXXXXXXX regarding the transfer of this debt from the original lender, nor was I informed by them that they were the collection agency responsible for this debt. Therefore my rights to dispute this was taken away from me. 

Additionally, I have not received any verification from an attorney regarding the validity of this debt. 

I have already taken the necessary steps to address this issue by reaching out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX has admitted to the BBB that they failed to send me a 30-day notice or letter regarding this debt. 

I would like to bring to your attention the relevant consumer laws that protect my rights in this matter, specifically 12CFR 1006.34 ( B ) ( 5 ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( d ), and 15 USC 1681s-2 ( a ).

I kindly request that Experian investigate this matter thoroughly and remove the inaccurate collection account from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IL)

Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report! 
Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OR)

XXXX - JP Morgan XXXX Chase Bank. A fraudulent credit inquiry went thru to XXXX. 
XXXX - XXXX XXXX - A fraudulent credit inquiry went thru to XXXX
Consumer complaint received 2021-10-26
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 (SC)

On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX AV XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Using my Home Depot Citibank credit card, XXXX To purchase lumber after receiving the lumber 12 days have come and gone the store refuses to I have someone pick it up because they use the COVID-19 as an excuse for not wanting to pick up the damage lumber. 
I had called the credit card to file they charge back they denied my charge back because theyre saying the store needs to get the items first. 
Which I explained that wouldnt be called a charge back that would be called the refund so 12 days now sitting with damaged lumber and them wanting me to pay for this damage lumber. 
So between the Citibank refusing to do a chargeback and the store refusing to pick up the lumber. 
They are forcing me to keep and pay for damaged material. 

Every time they allegedly say theyre sending a truck driver over I lug the lumber out put it on the sidewalk did drivers never show or the store managers say that I am trying to have them come inside do unit which is false. 

Today XXXX I logged lumber back out into the sidewalk the driver comes saying he can not except it it is not on a pallet. 

I walk to the store they refuse to wish me a refund I called the bank they refused to do a chargeback. 


They are refusing to do the charge back because the credit card is affiliated with the Home Depot. 

So they are refusing a dispute for a charge back out of prejudiced and biased.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent in a letter to Experian about an account that is inaccurate on my report and they fail to remove this account off my credit report. This has hurt my ability to obtain credit and honestly had delayed me in so many different ways. XXXX and XXXX removed the same account off my report but Experian is stating that they are verifying it some how, which is inaccurate because they never sent me any proof of anything bearing my obligation or consent that i own that account. Which i am the only one who can verify if the debt is valid or not. They are breaking the law and i want to exercise my consumer rights.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

actions taken by me thru email shopping for auto insurance on email below I clicked the link and in the middle of providing my information I got 2 phone calls and four text messages the email I clicked on below TrueIdentity XXXX Provided my date of birth name car description my address XXXX. 
and then phone calls started from XXXX and XXXX then text messages from XXXX, XXXX and XXXX mentioning the year and model stating my quote is ready finding my shared information saved on proggressive.com geico.com everquote.com pretected.com Witnessing these service and practices was fun and educational As my quote went higher and higher shows the integrity and sales of information Giving a clear view of a collective of sloppy service and desperate practices I had to write this complaint as a concerned American Understanding where our Country in means of service are becoming unprofessional unaccountable and XXXX XXXX
Consumer complaint received 2021-10-26
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. (NJ)

I have summited a dispute with Experian for some late payments they are reporting to my account that is not accurate and should be removed from my credit report. I asked Experian to investigate this case as I was always on time with my payments. However they failed to thoroughly investigate my dispute and have not provided me with any valid evidence to there findings. I request these late payments are removed from my credit report as there has been an error with the dates XXXX reported my payments. I repeat my payments have all been on time.
Consumer complaint received 2022-10-30
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)

XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (GA)

CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Has placed the exact same Odious Debt upon my Credit Reports, which I just recently compelled them to remove from my credit reports. They agreed in writing here to the CFPB, Consumer Adjustment Company , Inc. ( CACi ) has requested the validation documentation related to this account from the creditor. Once this information is received it will be forwarded to you. Attached with this response please find a copy of the initial notice that was sent to you via United States Postal Service. This copy has been redacted to protect your personal information. As a courtesy, while we await the documentation from the creditor, CACi has sent notification to the credit reporting agencies to remove this account from your credit report. Please allow up to 30 days for the credit reporting agencies to update their records. Should you have any questions or need further assistance, please contact our office directly at XXXX or email us at XXXX. 

Yet, in less than 2 weeks after removing the fraudulent debt, they criminally placed the odious debt back on my credit reports! They have never contacted me writing to validate the alleged debt!