davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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)

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 # XXXXXXXX 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 an 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. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (CO)

IQ DATA INTERNATIONAL INC account # XXXX XXXXXXXX I am unaware of this debt. I didnt receive the opportunity to dispute this debt properly. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name on it and signature validating that I received proper notification from you.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I spoke with a representative from Midland credit and I wanted to validate the debt because 1. I don't recognize the debt and 2. they are calling from XXXX , it took me over 20 minutes to get the mailing address. The collector kept badgering me and making me feel harrassed.
Consumer complaint received 2019-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a Equifax rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (CO)

Calvary Portfolio Services account # XXXX I am unaware of this debt. I didnt receive proper notification of this debt in order to dispute this debt properly. If you believe that you gave me proper notification as required by federal law, please send me the receipt of the certified mail with my name and signature on it in order to verify that I received proper notification from you.
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NY)

Since XX/XX/2016, I have been trying to work with American Express on a credit card debt of approximately {$11000.00}. Prior to this time, I had a high-paying job, which I lost, and I am also going through a divorce. I had a number of other big-name creditors ( XXXX, XXXX, XXXX ), all of whom I contacted at the time of the job loss and with whom I worked out a payment plant. I have been paying all of these other debts on time and have never received a single collection call from the other creditors. I attempted to work out a payment plan with American Express similarly but on four separate occasions, the caller threatened to damage my credit if I did not pay a certain amount at that time. <P/>They refused to work out a payment plan with me ( not a settlement, I fully intend to pay off all of the debts in full ) until I paid the set amount they demanded on the phone call. Often, I did not have enough to cover the amount, but I paid it anyway because I was worried about ruining my credit. I also began working with a credit consolidation agency recommended to me by XXXX called XXXX XXXX XXXX. I wanted the AmEx debt to go onto this consolidated payment plan, but AmEx apparently refused according to XXXX. Until XX/XX/2016, I had never missed a bill or had a late payment in my life. My credit score was in the high 700s. Now it is in the low 500s, because AmEx is claiming I am not paying, when I have made every attempt to come to an agreement with them. They are making daily calls to my cell phone. I have asked them to stop and said I have repeatedly made attempts to come up with a payment arrangement. They continue to refuse to make a payment arrangement with me unless I pay the collector on the spot right at the time of the call. I believe that this collector is actually affiliated with AmEx and not from an outside agency. They even called my parents in Ohio, saying they were " trying to get ahold of me, '' which upset my parents a great deal. <P/>I simply do not understand what I did wrong here. Every other creditor, including some health care creditors and other big banks, have worked with me exceptionally well and I have paid off my negotiated plan without any issues. This single creditor I believe is using harassing phone calls and deceptive tactics ( telling me they will work out a payment plan with me after I pay, and then doing the same thing the next month ). I am very upset, but am lucky to have some good resources at my disposal -- I worry that this company is taking advantage of others who do not. I want the calls to stop, I want the creditor to make some reasonable accommodation for me to pay the debt and I want them to treat myself and their other customers with honesty and fairness.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX XXXX  I attempted to make a minimum payment of XXXX using Bread Financial Online system to make a payment on my account. It took almost 45 mins to be able to access and make a successful payment. That resulted in my payment posting {$1100.00} instead of the {$42.00} min balance. By the time I became aware of the difference the {$1100.00} payment amount was deducted from my bank account. On XXXX XXXX XXXX, I contacted a live agent at Bread financial to inquire about the difference in payment amount reflected on my preview vs what was deducted and I was informed that the full balance was not typed in the payment amount. Even though their application has a separate button for {$42.00} minimum due and {$1100.00} balance. I was also informed my payment would not post for 7 to 10 business days. I requested a XXXX balance payoff letter to have proof of this transaction. On today XX/XX/XXXX, I reviewed my account to find out I was charged a late fee {$41.00} and interest fee of {$24.00}. Even though I have faced technical glitches that are the result of bread financial that impacted my finances they are only willing to provide a credit of {$15.00}. They are not willing to take ownership of the technical glitches on their end. I had to reset my password multiple times on every occurrences I have tried to access my account this month, I have faced technical glitches with the payment system and received unacceptable responses to why the technical changes are my financial problem. 
I am seeking credit of the {$41.00} late fee and {$24.00} interest charge as I have paid off the full balance {$1100.00} on this account and no longer looking to do business with an organization that does not take ownership to their internal mistakes that lead to financial hardship transferred to the consumer.
Consumer complaint received 2020-02-07
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. (CT)

I have paid down considerably on this account from XXXX XXXX  XXXX, XXXX, XXXX, and Experian are reporting incorrect information. The balance is now XXXX and it should reflect that.
Consumer complaint received 2016-11-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (OH)

I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.
Consumer complaint received 2023-08-21
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. (FL)

I am submitting this as a follow up to my dispute regarding the the fraudulent inquiries that are currently appearing on my credit reports. They continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : 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 XXXXXX/XX/XXXX. I would like to remind the XXXX, EQUIFAX and XXXX Credit Bureaus that under the FCRA, credit bureaus are required to investigate and respond to consumer disputes within 30 days.
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc. (NC)

I have written to Experian that is still reporting this misleading and fraudulent information on my credit profile. XXXX and XXXX   has corrected the matter promptly. I have given Experian notice through urgent letters and submitted an affidavit in reference to the fraudulent accoun, incorrect addresses on my Experian are invalid as well. 

Experian reporting this misleading fraudulent information is preventing me from obtaining a mortgage loan. Thank you for helping me hold Experian responsible in correcting and Deleting this Fraudulent information on my credit profile immediately.
Consumer complaint received 2019-04-10
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: EQUIFAX, INC. (FL)

I have filed 2 disputes with Equifax regarding an account with XXXX XXXX XXXX. My credit report indicates it's a " charged off '' account with a balance. This is incorrect since it was paid in full & the account was closed. I have contacted the bank repeatedly regarding the issue & was advised they notified Equifax accordingly. The account has since been re-added to my credit report with the balance. The bank also advised this account shouldn't be reflecting on my credit report since its an old account. The contacts through XXXX XXXX XXXX are XXXX XXXX & XXXX XXXX.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

As recently as this morning and after days and hours of working with the banks technical support team I still could not access the On Line Data Base. I sill could not retrieve the data I needed causing major impact! I was advised due to recent changes the bank " does not allow the use of XXXX Operating system system '' They advised I could use my mobile phone but after multiple attempts that also did not work and they had nothing to offer when I explained this was wireless and open to hacking! I have been hacked three times previously and do NOT want to use this method. They suggested going to the branch who could definitely assist. However at the branch they informed me due to policy changes they could NOT assist! Furthermore attempts to reach a manager produced nothing! They are never available and they stated I would get a call back within 24 hour to 48 hours but not so A! LIE Their automated system malfunctions, not hearing correct input, forcing reentry and then when you do connect it does not pass the account information along to the agent. This has caused me significant monetary delay and financial loss! Also calls going OFF SHORE answered by their staff who request my social security number in lieu of account number. I asked if they could use my last four they said NO the whole number! So much for the facade of security and to protect my account! Wither incapable or liars, either one bad!
Consumer complaint received 2019-06-12
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. (OH)

I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.
Consumer complaint received 2024-05-03
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-03-24
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, Account name : # XXXX, Account name : # 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 2023-03-24
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. (IL)

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed. 

I have reached out to CapitalOne via mail and phone with no response. 

Your help in resolving this matter is greatly appreciated. 


Thank You.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CONVERGENT OUTSOURCING, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-04-14
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In the process of viewing my credit report due to bankruptcy  and creditors changing information, Fair Collections and Outsourcing had not updated their information correctly. This account is listed in a active bankruptcy and needs to reflect as so or be removed permanently. At this point of time the account is showing as opened and consumer disputed this account and confirmed with accurate information.
Consumer complaint received 2019-06-12
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX