davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately.
Consumer complaint received 2022-08-31
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: OneMain Finance Corporation (MS)

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to lodge a complaint with respect to XXXX XXXX XXXX. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have been waiting more then 30 days to hear back from equifax and also XXXX  and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.
Consumer complaint received 2022-02-24
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. (LA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX 

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 2022-08-31
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: CLGF Holdco 1, LLC (NV)

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 
15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

For almost 2 years, I have tried to get XXXX to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company Ally Financial. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted Ally and they are fully aware of the error in their reporting, they have yet to correct it on my XXXX credit profile.
Consumer complaint received 2023-06-24
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. (AL)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX 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 2022-04-14
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. (CA)

According to the Fair Credit reporting act 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 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Someone call Citibank to get a new card in my name that went to another address my phone number was also changed Debitcard was send to a new address and a new phone number XXXX XXXX XXXX. 
On XX/XX/XXXX someone took money at XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX  XXXX, XXXX, XXXX. 
On XX/XX/XXXX XXXX from my saving from Branch XXXX XXXX XXXX XXXX XXXX my XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX at the same place XX/XX/XXXX XXXX  at the same place XX/XX/XXXX XXXX  at the same place A card was issue on XX/XX/XXXX delivered on XX/XX/XXXX my Phone, email address and home address via phone to customer service and I was charged a XXXX fee for them to send out my card to that address the bank never notified me until my money was gone the bank never alert me about the problem and another XXXX was taking from my savings due to Citibank negligence a lot over XXXX
Consumer complaint received 2023-06-24
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. (TX)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit reporting act 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 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NJ)

At some point in XXXX, a former employer used my information to open a XXXX account in my name. I have never lived in the part of the state the account was opened in, I have been a XXXX customer in good standing since XXXX ( when they were still XXXX ), I have never had need for any other phone service since I work with XXXX and they provide all my other data service needs ( hotspots and internet ). I immediately began contacting both this fraudster employer and XXXX to close this account or pay it off so that it could be closed and out of my name. XXXX was no help, and the fraudster made promises then fled the country back to XXXX after being investigated for other fraud. I have been fighting XXXX over a now closed and now in default account and balance of {$360.00} since XXXX. They have removed it from my credit report, asked me for affidavits which I submitted, and then resent it to collections multiple times. This is my final resort after 4 years of fighting. If this was my own debt, paying {$360.00} would be nothing. I refuse to pay something that is not mine and that I have never used or benefitted from.
Consumer complaint received 2022-08-31
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: Allied Collection Services, Inc. (Nevada) (WA)

On XX/XX/202XXXX XXXX flagged my credit report for a major derogatory in regard to some association with a company called " XXXX '' for the original amount of {$1000.00}. This was done with no prior notice or contact with me in regard to the alleged charge. 

I have no knowledge of this account and do not even know who " XXXX '' is. Allied Collection Service has failed to validate this alleged charge despite my continued efforts to reach out via USPS XXXX Mail with Return Receipts dated ( XX/XX/2022 and XX/XX/2022 ). 

I reached out to all three credit bureaus about this issue on the week of XX/XX/2022 as well as the week of XX/XX/2022 and I feel they did not do their due diligence in investigating this matter. I still have yet to see any forms of supporting documentation tying me to this debt, however it has dropped my credit score over XXXX points and has become a massive issue. 

There is only so much I can do in regard to proving this debt was made up, yet it seems to be standing despite any sort of supporting documentation. 

I received a letter recently from Allied Collection Service dated XX/XX/2022 verifying '' the account, which was basically just a piece of paper with no supporting documentation that said the amount they allege I owe them. 

This has proved nothing, and I still refute any ownership of this debt. I am still waiting to see ANY form of documentation that ties me to this debt what so ever.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MN)

I entered into a settlement agreement with Midland Credit Management, on which I was to make monthly payments of $ XXXX until the debt was paid in full. I gave this agency my banking information and they were taking my payments, as agreed, from my checking account. I even listened to their recorded version of their terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I gave them my full name, to be included with the automated commitment to pay. I changed banks in early XXXX, and called to notify them of the change, provided them with my new banking information, listened to their recorded terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I was operating under the assumption, based on what I was told by the telephone representative, that they would begin to use my new banking information, to finish out the payment agreement. I received a statement from Midland Credit Management, via USPS, showing the payment amount due, the payment due date, and the plan balance. I reconciled the automated drafts, showing on my bank statements and found that they had not taken my payment for XXXX, XXXX, or XXXX. In XXXX I received another call, which resulted in my giving all of my information to them, in the identical way that I had originally entered into the agreement. I had another call, XXXX, and this call was identical to the calls in XXXX and XXXX. I gave them my information again, exactly the same way that I had done when I called to advise that my banking information had changed. Now it is the end of XXXX, and I received a blocked call, which went to my voicemail. I listened to my voicemail and found that it is another call from Midland Credit Management. At this point I am extremely suspicious over what they may be using my personal information for, since it obviously isn't for taking the final installment, which would result in the account being paid to a XXXX balance and satisfy the terms of my original contract with this company.
Consumer complaint received 2022-08-31
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: Exeter Finance, LLC. (MS)

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Consumer complaint received 2020-02-21
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. (CA)

On XX/XX/XXXX I disputed an item on my report and on XX/XX/XXXX the investigation reported that the item was mine. On XX/XX/20 I spoke with a supervisor after sending in certified mailed proof that the item was not mine and asking her how is it that the investigation was done in 2 days, over a weekend without looking at my proof. The supervisor stated that she did not see where an investigation was done AND someone on their end ( an Equifax. Rep ) changed my address with out my written approval. She said that all she could do was submit a reinvestigation. This violates my FRCA rights.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX, a Senior and resident XXXX with XXXX XXXX with complicated matters such as Mortgage and Modification. I have enlisted a Third-Party to assist with the submission of Making Home Affordable paperwork, who have submitted reams of paperwork for over two years without success. More recently, we again submitted a full and complete package using a XXXX Label provided by Wells Fargo on XXXX/XXXX/2015. We have called repeatedly, and NO LIVE PERSON will ever give an update as to the status of the Loan Modification Request. The persons who answers the phone, will direct the call to a phone number with a lengthly recorded message in very, very, low tone that is completely inaduble, with a promise to call the Third-Party. 
I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
We were successful in having XXXX XXXX XXXX to Forgive the XXXX lien, This was a XXXX Subprime Loan 7.5 % Interest Rate!