davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: CBC Companies, Inc. (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I don't owe anything to CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number XXXX, ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX Account Number XXXX, XXXX Account Number XXXX ( fraud ), XXXX XXXX Account Number XXXX ( fraud ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( was sold at auction with no balance, company never served me certified mail by law of a sale of vehicle, statue of limitation has exceeded also ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), 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 2019-09-12
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: General Motors Financial Company, Inc. (TX)

On XX/XX/XXXX there is a hard inquiry by ( gm financial ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX and XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXX ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX card ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (KY)

to make a long story short XXXX was ran under my name through affirm by my brother who had a XXXX break that i was unaware of till i moved out. fast forward a year and some change later as im going to get my mortage i found out XXXX is in collections from the time we lived together. i spoke with affirm essentially trying to get them to settle or transfer me to someone who could actually assist me as i am not going to pay XXXX worth of stuff i never purchased. i tried XXXX and the ftc but both redirect me to this website. if this doesnt go to you all then please forward it to who can help me. phone number if you need to contact me is XXXX like i said this was about a year and a half or so ago so if anything is needed from me please let me know.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

ARRGON AGENCY INC XXXX XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, XXXX Euro, was transfer to a XXXX XXXX via my Pay Pal account. I never issues or authorized this transaction. It is also not consistent with any of my other transaction which are always in USD and usually under {$5.00}. Paypal is refusing to acknowledge this is clearly fraud. Paypal has locked my account and is essentially holding my account hostage to force me to pay this.
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
Consumer complaint received 2023-03-22
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. (CA)

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-22
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)

I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pollack & Rosen, P.A. (CA)

New attempt at collection by 'Pollack and Rosen ' via email of previously resolved debt collection re : XXXX XXXX Email appears to be from a law firm but is not. Letterhead, etc. 
Previous debt collection resolved in my favor re : CFPB XXXX. Previous collection attempts related to goods stolen from me via shipping, ( now ) known dead drop address. New collection attempt after more than a year. Police reports, shipper investigations, ( more ) given to XXXX during previous CFPB filing. XXXX emails regarding 'balance ' on closed account continue. IRS alerted to XXXX false statements regarding income. XXXX agreed was in the wrong, IRS concluded XXXX was in the wrong. XXXX stated 'balance ' claims would stop. Began again after a few months. Now has filed another debt collection attempt.
Consumer complaint received 2018-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (KS)

The interest this company charges is 10 times more than a normal loan is this legit? I cant afford to pay it. I borrowed XXXX and owe XXXX I have made payments and I still owe XXXX. I need the interest to stop so I can pay what I borrowed
Consumer complaint received 2018-12-22
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. (TX)

Please delete all account which has nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Choice Recovery, Inc. (FL)

I have not received a notification from Choice Recovery regarding a medical bill. And they have it on my credit report three times but it was the same visit. I don't believe they can show each procedure the doctor performed ; only the total amount due for the visit. I wasn't aware of this until I checked my credit report. I plan to pay this as soon as they agree to correct the reporting of it. I have not contacted anyone at Choice Recovery nor have anyone from Choice Recovery contacted me.
Consumer complaint received 2018-12-22
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. (TX)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with XXXX  Wholesale the only card I ever opened with them was a Military Member ID. Neither XXXX or XXXX XXXX can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through XXXX Wholesale
Consumer complaint received 2023-03-22
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. (FL)

I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 Remove these inquiries from my transunion XXXXXXXX XXXX XXXX Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed XXXX XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX, have sent a letter to my job in regards to garnishment for student loans and have already garnisheed 2 paychecks. I have never received and documents from them prior to them contacting my job. Then when I called they told me that they would stop the garnishment once they send out a letter to me and I have 30 days to respond. However, they just garnished another paycheck.
Consumer complaint received 2023-03-21
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. (PA)

I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2019 XXXX XXXX contacted my father on a private, state issued phone ( he is a state police officer and that was his work phone ) which is not a number I had ever provided them with. They gave him private information about my debt and it's current status and told him they are taking legal action and that he needs to hire me a lawyer. I contacted them the same day and questioned how they even obtained his private work number and told them to stop contacting him and to only contact my number and gave them my number and made sure it was verified by them twice verbally. The on XX/XX/2019 my father was again contacted by XXXX XXXX   and told that I am being sued and need to hire a lawyer because I owe them money. They continue to call him on his private work line and I have requested that they cease and they have not. I have also explained to them that I am a college student and would pick my payments back up when I had the money as I do not have it now. I will be calling them again today to ask them once again to stop harrassing my father since they are calling him instead of me about MY DEBT.
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX/XXXX  Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (SC)

I have 2 accounts with 1st Franklin Financial. 1 of the accounts is now closed, and they have not reported it closed to the credit bureaus. I disputed that it was closed and 1st Franklin said that its not. Someone at 1st Franklin is confused because I still have a different account that is open. I see both accounts on my 1st Franklin login ; it says 1 is closed and the other is open. I think 1st Franklin should really pay attention to detail and correct their mistake to the credit bureaus.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NV)

Good morning, This complaint is concerning Affirm and took place on XX/XX/year>. I wish I had known about this sooner but I just saw the story regarding the court ruling. Is this retroactive to a filing date? Please include my email or any information in the public comment currently being collected. I am happy to discuss this further or even provide comments in person should it help in any way. 

My wife and I booked a XXXX stay for our XXXX anniversary in Florida with our kids. A little over one week prior to check in my wife and I contracted XXXX. We contacted the XXXX host and advised them of our situation. We were advised that we could reschedule for a future stay by the hose. Based on our documented comment from the XXXX hose we cancelled with XXXX online. We then recontacted the XXXX host regarding rescheduling and never heard from the host again. Since the XXXX host offered the future stay but was obviously avoiding us we contacted XXXX to continue with our scheduled reservation for our adult children. This was well before the scheduled check in. XXXX directed us to the host who has never replied to us since the documented offer of a future stay. 

On XX/XX/year> we filed a dispute with Affirm for load ID # XXXX since the service was never delivered and the host quit communicating with us prior to our scheduled check in date. We were still charged cleaning fees and Florida resort taxes even though we were never there. After providing documentation, timelines and several communications with Affirm we were still required to pay {$5700.00} for a service we had never received. Affirm denied our dispute on XX/XX/year>. 


Thank you so much, XXXX XXXX XXXX