davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Company is reporting inaccurate information. 
Account name : XXXX XXXX Account # XXXX High credit is lower than balance, delete account for inaccurate reporting Account name : XXXX XXXX Account # XXXX Account is being reported with an inaccurate date of last payment therefore restarts the statue of limitations There is a violation in accordant to 15 USC 1681e ( b ) ensuring maximum possible accuracy
Consumer complaint received 2023-08-15
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. (NC)

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, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$200.00}
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-08-12
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. (GA)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. These items were inaccurately and erroneously reported. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX  XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2023-08-15
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. (NY)

I HAVE WROTE EQUIFAX XXXX TIMES ABOUT REPORTING A FRAUDULENT INACCURATE CLOSED CREDIT CARD ON MY CREDIT REPORT FILE. 
THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY REPORT ACCOUNT XXXX
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Dear Sir/Madam, I am writing to formally dispute and report an incident of identity theft that has affected my credit file. I recently discovered that there is a fraudulent account listed on my credit report, which is being reported by LVNV Funding. The account details are as follows : Account Number : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$680.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX I have been a victim of identity theft, and I did not open or authorize this account. I hereby request that you launch a thorough investigation into this matter and take the necessary steps to rectify the fraudulent account on my credit report. 

I have already taken the following steps to address this issue : I have filed a police report with [ XXXX XXXX XXXX XXXX ] and have attached a copy of the report for your reference. 

I have contacted LVNV Funding directly and requested that they close the fraudulent account. However, I have not received any satisfactory response or confirmation of closure. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions : Conduct a comprehensive investigation into the fraudulent account and the associated information. 

Remove the fraudulent account from my credit report promptly. 

Place a fraud alert on my credit file to prevent further unauthorized accounts from being opened in my name. 

Provide me with a written confirmation of the investigation and resolution of this matter. 

I have attached the following supporting documents for your review : A copy of the police report filed with [ XXXX XXXX XXXX XXXX ]. 

Any additional supporting evidence related to this incident, including correspondence with LVNV Funding. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this identity theft issue.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Under the FCRA, the burden of proof lies on, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 15 USC 1681b Permissible Purpose Thank you for following the ethical standards set by the FCRA and removing these late payments. I call, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters., Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email, XXXX, TransUnion CEOs as last resort before I Sue them all.
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TN)

I have contacted this company that is on my credit report as it just popped up out middle no where. I have never heard of this company nor have they sent me any documentation about a debt. I am exercising my right under the Fair Credit Reporting Act, Section 609 to dispute this charge as I do not owe them as I have never done any business with them and have illegally placed this on my credit without contacting me or confirming with me any information. The amount is XXXX. I have lived at same address over 20 years so I am unsure who they are as again they have never sent me anything. I have contacted them and tried to fax them, nothing worked out. I would like proof of debt and any original documents with my signature and also would like them to cease and desist any further contact with me as they are not even allowed to collect in TN as they do not have an office in Tn either per TN state law.
Consumer complaint received 2023-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I, XXXX XXXX, sent a certified letter on XX/XX/2023, to PORTFOLIO RECOVERY, addressing the presence of XXXX accounts with identical amounts, which I believe should be removed as required by law. I requested verification of the alleged debt, citing UCC 9-210 and 15 U.S. Code 44. I emphasized my willingness to pay if legally obligated, but I need proper documentation before proceeding, citing The Fair Debt Collections Practices Act ( 15 U.S. Code 1692 ).
Consumer complaint received 2023-08-11
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: Amsher Collection Services, Inc. (PA)

PLEASE SHUT DOWN AMSHER ( www.amsher.com ). This " collection agency '' is a fraudulent company that has used my information to fraudulently try to collect on a debt of {$82.00} and has fraudulently added this to my credit report. 

I have called XXXX on XX/XX/2023 and confirmed with '' XXXX '' that XXXX is NOT affiliated with Amsher as a 3rd party debt collector and that I do not have any debts with them, past or present.

I have contacted Amsher, also on XX/XX/2023 by phone at XXXX several times and the phone disconnects each time. I called back and stayed on for an operator and spoke with a " XXXX '' who asked for my personal info, which I did not give and she said she was transferring me to the " XXXX XXXX '' and immediately hung up. 

I called again, and spoke with an " XXXX whose accent changed XXXX and he also was reluctant to stay on the phone and denied that they are not affiliated with XXXX and hung up. 

I am only one consumer who has warned XXXX that they are being used, but if they hear it from the CFPB maybe they will do their part as well. 
You have over XXXX complaints about this company, and the fact that they can operate on scams with impunity and without penalization is unfair to hard working consumers like myself, who already find it hard to raise and keep a reasonable XXXXredit score. 
Please, please DO SOMETHING!
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc (MN)

XXXX XXXX is representing/collecting on behalf of Freedom furniture/Military Credit Services . He stated they sat on the debt to let it accrue interest then once it was maximized after 10 years they are now coming to collect. I have no memory of this transaction we are talking about almost 20 years ago. And they now are looking for 4-5x what may have been owed 15 years ago.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I opened a XXXX XXXX XXXX account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX ) in response to a solicitation for a {$600.00} bonus. See copy of solicitation which lists all conditions. 
A {$300.00} bonus was to be paid if conditions were met for the checking account and another {$300.00} bonus was to be paid if conditions were met for the savings account. 
At the time of opening the accounts, a {$15000.00} check was present in order to meet the savings account conditions. See copy of account information provided after accounts were established and deposit slip for $ XXXX. 
After the requisite period of time and when all conditions were met, the {$300.00} checking account bonus was paid. No payment for the savings account bonus was paid. 
On XX/XX/XXXX, I visited the branch to make an inquiry as to why I didnt receive the {$300.00} saving bonus. It was then discovered that the XXXX, who set up the accounts, misdirected the $ XXXX to the checking account rather than to the XXXX account. A transfer was then made ( see bank XXXX XXXX XXXX slip attached ). I was told an inquiry would be made up the line about the {$300.00}. bonus and I would hear from the bank shortly. 
Having received no response from the bank, I again visited the branch to learn if any thing was done. A second inquiry went up the line. 
On XX/XX/XXXX another visit to the bank was made at which time I was told there still was no response or resolution. At this time it became obviously to me that no response was forth coming and I closed out both accounts.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX IS REPORTING THE WRONG INFORMATION. 
MY CORRECT INFORMATION IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Employment : XXXX  XXXX XXXX no other names or address to be used.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (NJ)

Purchased car from XXXX XXXX in XXXX, NH in XX/XX/XXXX. Dealer arranged for finance through TD auto finance. Vehicle was delivered to our home in XXXX. Now, in XX/XX/XXXX, we moved to XXXX from XXXX. To register our car in XXXX, the local MVC/DMV would need a filled title form from TD auto finance. We faxed the right form to TD auto finance several times during XXXX XXXX. To date, TD has NOT sent us the filled out form citing reasons that XXXX XXXX messed up/lost title or any lame reason. Now, we have an unregistered car sitting idle and not drivable due to the sheer ignorance and recklessness of TD auto finance. Our 50+ calls for the last year got us nowhere and we have been immensely stressed about this. There are several similar complaints against TD auto on various websites. Please help.
Consumer complaint received 2023-08-18
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)

This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt.

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization.

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization.

I urgently request the immediate removal of this account from my credit report.