davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (MA)

Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due????

I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!
Consumer complaint received 2022-05-26
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. (FL)

In according with the fair reporting act XXXX accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

XXXX, XXXX, and Transunion all have listed hard inquires without my authorization.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield, Debt collector FL. 
Fraudulent debt collector and its agents never sent me any communication either through mail or email to validate the debt. 
It suddenly shows up on my credit report and they are not willing to take it off even though I have no information about this account. 
Hanging up on calls without providing valid information
Consumer complaint received 2022-01-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I took out an XXXX loan and was paying XXXX back each for 6 months XX/XX/XXXX was my last payment and here is where the problem lies there interest rate was sooose to be 15 % wich I was fine with but when the last payment came out the charged me XXXX and I was wondering why I called them and they said all I was paying was interest and some sort of taxes on it because I was in the state of Texas so long story short I ended up pay almost XXXX dollars on an XXXX dollar loan this type of bissness practice is unexceptionable and is worng when I found out about this told them sto scrub my information off there system my loan was paid off to wich they replied that the couldnt completely Romove me form there system I told yes they could and in fact by law the had to because I asked
Consumer complaint received 2017-07-11
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. (GA)

For the past 3 months I have been trying to get Experian and XXXX to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with Experian and XXXX and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (WA)

Hello my name is XXXX XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.
Consumer complaint received 2022-01-20
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. (LA)

Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information.

According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Hello, I recently reached out in writing regarding my consumer credit report from Equifax Consumer Solutions about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately.

If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry.

I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of Equifax. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I was forced to file a dispute with Equifax. I had to get CFPB to help me get Equifax to just accept documents which proved I did not owe the collection. This happened on XX/XX/XXXX. On XX/XX/XXXX Eqifax sent me an alert saying the dispute was finalized and I could review the results on their website. The results were that they denied my dispute and said that the collection account would remain on my file through XXXX. When CFPB contacted Equifax, they stated they were still working on it. Today I checked back in Equifax 's website and found that they had added a second line about dealing with my dispute. That line was like the original dispute line which showed three points along the line. It showed dispute filed. Then the second point showed investigating. The third point showed finished, and the date showed XX/XX/XXXX. 

The original dispute was filed on XX/XX/XXXX. The first denial was XX/XX/XXXX. The working on it answer to CFPB 's contact with them was completed on XX/XX/XXXX. My credit file still shows the collection account, and my credit score has been dropped drastically. If they are still working on it that does not align with their web site states. 

XXXX and XXXX have already deemed the collection account to be false and given me points back on my credit score. I hope to get my credit file with Equifax cleansed of the false collection account.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

EXPERIAN BROKE THE LAW and is violating my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I received two emails from EXPERIAN XX/XX/2022 ( attached ). All that these emails stated was that they could not block the account I claimed fraudulent and identity theft because I did not give the correct information. They totally disregarded my affidavit. 

Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me.
Consumer complaint received 2019-11-24
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. (VA)

XXXX has reported a wrong hard inquiry dated XX/XX/2018. On my complaint to XXXX  through CFPB, XXXX has issued letters many times that it has reported to all credit agencies such as Equifax to remove/mask the hard inquiries. These letters are attached here. 
Despite of that Equifax states that it ran investigation with XXXX and XXXX has stated that the hard inquiry is correct. 
Both Equifax and XXXX are liars, either XXXX reports correct data only to CFPB and misguide Equifax by reporting the hard inquiry as a correct record, or Equifax is liar which states that it confirmed with XXXX  that the record is correct. 

Either of XXXX or Equifax is a liar. However, I will be forced to sue both of them to get the hard inquiry removed. 

Attached are frivolous documents of Equifax and the correct documents of XXXX.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

On XX/XX/XXXX, I received a notification about a collection account on my credit reports. When I checked, there was a collection account on all three of my credit reports : XXXX, XXXX, and XXXX from " Credit Collection Services ''. They also go by the name " CCS Collections '' on my XXXX report. They claimed that the original creditor was XXXX, and it was for an auto insurance bill. When I called to ask them for proper validation of the debt, I was told that they would only provide information about which vehicles were insured and an invoice, but no copy of the original contract with XXXX and nothing with my signature on it. Even though I am not acknowledging that this debt is mine or accurate, I also asked for a " pay for deletion '', where I offered to pay Credit Collection Services, in return for them to delete this from all 3 of my reports, and they declined the offer. I again asked the representative for re-consideration of the matter because I am in the process of purchasing a home and the collection account is hurting my credit. The representative seemed rude and unconcerned and did not want to comply. I also checked the secretary of state website in Tennessee, and I did not see their collection company on the website. When I called and asked for their control number in order to be sure to find them, the representative told me that they did not have this information, but instead gave me a 2-digit license number ( XXXX ). It is my understanding that any company that attempts to conduct business in the state of TN must be registered with the secretary of state. Since " Credit Collection Services '' or " CCS Collections '' is not in the database, I am sure that they are in violation of some type of law and should not even be attempting to collect any debt in TN.
Consumer complaint received 2022-01-20
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. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (CA)

I have been submitting multiple complaints to Experian with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I am requesting again all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Inquiry date XX/XX/202 XXXX XXXX  XXXX date XX/XX/XXXX XXXX
Consumer complaint received 2022-01-20
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: Consolidated Information Services Solutions, LLC (TX)

I was alerted by my credit card company that there was a new pull on my credit. by a Universal Credit Services. I did not authorize this pull and would like to have it removed from my credit report. I
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

This happened in XXXX of XXXX. 

So I signed a lease at XXXX on XXXX in XXXX XXXX. Before I put any deposit money down, or any rent of any kind, my financial situation changed because of COVID-19 and I informed them I was no longer able to afford to pay rent. They told me I had to pay to get out of my lease and find someone to take over my lease ( which hadn't even be legally started ) I hadn't put any money down and couldn't afford to pay their fee. I contacted them and they told me " tough luck ''. I didn't pay and didn't move in. I started to get aggressive phone calls and emails about how I needed to pay a sizeable amount of money or otherwise I would be evicted ( once again, I never moved it, never put a deposit down, and also they legally couldn't evict me even if they wanted to because of a COVID-19 eviction moratorium in place ). They sent me a notice through e-mail saying I had been evicted and to return any keys ( didn't have any keys as I never moved in ). Then they got a collector to try to collect {$10000.00} from me. The collectors called me repeatedly and when I finally picked up the phone and explained the situation to them, they laughed at me on the phone and said " good luck with trying to get out of it '' even though I had never moved, never put down any kind of payment, and now I was being demeaned by a collector. The collector has been adding more money to what I owe them on my credit report and they're trying to scam me for a debt I legally do not owe.
Consumer complaint received 2022-01-20
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. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (AZ)

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.