davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have repeatedly requested written information about the debt and made it clear I was willing and able to negotiate the debt if they were able to prove they legitimately owned the debt, ceased to harass me about legal repercussions such as prison, ceased to ask for my social security number over the phone, and ceased to ask for my credit information in email and over the phone. They have never been able to display any kind of legitimacy, and I believe it is a scam, but if it is truly the owner of the debt then their tactics certainly fall under harassment.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (SC)

We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-28
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: LEXISNEXIS (MI)

I recently applied for a home loan and was denied because of a bankrupcty that is not mine reporting on my consumer report. I contacted the Courthouse and was told they DO NOT report information to anyone reporting agencies so I submitted a dispute with the XXXX and was told this information was provided by Lexis Nexis which is inaccurate. I sent them a letter over 30 days ago disputing these false inaccurate records because I have never filed bankruptcy nor does this company have permissble purpse to furnish my personal information and this is a violation to my right to privacy. They have ignored my request nd if this is not deleted I will have to seek legal action.
Consumer complaint received 2022-03-02
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The information in question comes from XXXX XXXXXXXX XXXX The amount reported is XXXX. This account first became delinquent in 2014. The time frame for this account has expired. The company is required by law to remove inaccurate information and information that is more that 7 years in age.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
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: NATIONS LENDING CORPORATION (NY)

On XX/XX/2020 Nations Lending pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Not sure why they can't seem to get information correct on anyone 's reports. They get paid by lenders to report " accurate '' info yet they don't! The attached info is incorrect on every level. The account was paid off in full by me in XXXX and closed! They show that I'm " disputing '' the account as being mine which I'm clearly not! I want them to update the account to a {$0.00} balance and show it closed by the consumer because I closed it when I paid it off - period!
Consumer complaint received 2022-06-05
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: FIFTH THIRD FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act 1. Fifth Third Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-02
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 been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2022-02-28
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. (AZ)

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, l
abor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OK)

Re : XXXX Venmo provides a toll free number but the call tree will not connect to any human. Emailing support generates a request to call the dead end toll free number or chat which can not work when the account is frozen. Attempts to contact support via XXXX and XXXX have been fruitless for over 24 hours. I need direct communication with Venmo support to address the issues with this account. Toll free and chat do not work at all. XXXX and XXXX support feeds for Venmo are likewise useless and unresponsive. Venmo has my phone number and I have request live phone support given they have crippled all other means of communication if information transfer.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (AK)

Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.
Consumer complaint received 2024-03-23
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. (FL)

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 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am in the Public Service Loan Forgiveness ( PSLF ) program, and according to them, I still have five years or more of repayments under the program. However, I have worked in the nonprofit/public sector for 10 years. I don't believe the payments they credit for PSLF are accurate. I should be much closer to forgiveness.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MO)

My credit report reflects an account " Continental Finance '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with XXXX and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). XXXX " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from Continental Finance and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.
Consumer complaint received 2022-11-06
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. (MA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Right Reserved Without Prejudice.
Consumer complaint received 2022-02-28
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)

WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, XXXX, AND EQUIFAX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-28
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)

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I sent a letter last XX/XX/XXXX to delete all lested items that are 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 deleteall items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-03
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. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX. 

I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX. I do not remember working with XXXX XXXX. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is  showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both inaccurate. According to my records, a request was sent to XXXX XXXX XXXX  and received on XXXX to have account closed and removed from credit report. XXXX XXXX  sent me letters that were received on XXXX. The letters are requesting documents to be sent for " reinstatement '' which clearly states both accounts to be closed. I am requesting that both accounts addressed are removed immediately from my Equifax credit report. See attached evidence that both accounts should been closed since XX/XX/2021. XXXX XXXX  has been calling numerous times a day which is harassing and theyve damaged my credit.