davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (LA)

I have no idea who this company is or any information on this debt. It's not mine, I've not received anything in writing or even a phone call regarding this debt. As required by law the company must validate the debt, give me 30 days to response to their written response and then proceed from there. I want this removed off of my credit bureau immediately and they should be fined for this illegal action.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I disputed my XXXX XXXX account on my XXXX and Experian credit reports for failure to report notice of dispute within the guidelines of the FCRA. The investigation results repeatedly came back stating that the XXXX XXXX account was verified as accurate even though no notice of dispute was updated.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery called to say they would accept payment for unknown debt. Said if I gave them my bank info it would be removed from credit agencies. I asked for a statement in the mail. They declined and said they can not send any info. Agent said this was hurting my credit score. After the phone call, I pulled all three credit reporting agencies and there is no such debt due. It was too old to be on my report. Is roughly 10 or more years old. I sent a cease and desist letter via USPS Certified and Return Receipt. Letter was signed for and postcard returned to me. They are STILL calling me. I do not answer and they leave no messages.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hospital Services, Inc. (ND)

After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.
Consumer complaint received 2023-01-18
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. (GA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$0.00}, Original creditor XXXX XXXX XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$0.00}, Original creditor XXXX XXXX XXXX ), Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$520.00} ), Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$1100.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$1000.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$460.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$500.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (PA)

This information with EXPERIAN keeps putting items bac into my report that has already came off XXXX XXXX XXXX XXXX ( XXXXXXXX ) XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX THESE ALREADY CAME OFF MY REPORT
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-07-03
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: Phoenix Financial Services LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Phoenix financial services, LLC Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$210.00} Dear Phoenix financial services , LL I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Consumer complaint received 2021-07-03
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. (TX)

For several years, Ive been getting harassed by XXXX XXXX, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, XXXX XXXX has reported to Experian, in which I disputed & provided proof of payment, but Experian is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.
Consumer complaint received 2022-04-30
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. (MD)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX 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
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

I called The Barclays customer service line on XX/XX/XXXX at approximately XXXX regarding clarification on the {$100.00} companion ticket credit. I signed up for this Barclays XXXX XXXX credit card in XX/XX/XXXX so I am a new customer. The credit card has so many features and benefits that I would like to take advantage of them but I have a lot of questions as to how they function. The customer service representative that I spoke to told me that I would receive the {$100.00} credit on my credit card account after I purchased the airline tickets. I purchased the tickets for myself and my companion on XX/XX/XXXX and waited for several days to see the {$100.00} credit appear on my account. I never saw the credit and when I called back on XX/XX/XXXX and spoke with XXXX ( operator ID # XXXX ) she informed me that the information I was given by the previous representative was incorrect. I expressed my concerns to XXXX and explained that I felt deceived by my credit card company and was very unhappy and frustrated. As a consumer I feel that we apply for new credit cards because of the features and benefits they offer, however we need to understand how to use them. I am not happy with the customer service and I am not happy with the misinformation I was given. I have been given misinformation by several customer service representatives and I feel that the credit card company is taking advantage of consumers who dont understand the features and benefits.
Consumer complaint received 2021-07-03
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. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-18
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX 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
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I reported the company and the Provider ( XXXX XXXX XXXX    XXXX XXXX ) to the California Dept of Managed Care, and the company admitted the debt was not owed and sent me a letter of XXXX debt. But every year I keep getting phone calls or letters from credit agencies about this even my insurance company XXXX wrote them a letter that the debt was not owed any more. But they keep trying to collect. I pay all my health bills on time, but nonetheless keep getting harassed by this company. I even submitted a complaint that they are harassing an Elder, as I am XXXX year old Senior Citizen and on Social Security. But I do not owe any debts for medical bills or any other services.
Consumer complaint received 2022-05-01
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: Resurgent Capital Services L.P. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-26
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: EQUIFAX, INC. (NJ)

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (PA)

I reviewed my credit report after having my identity stolen again and I was shocked to find this particular account that is being reported by your company and damaging my name. I am expecting this letter to resolve the issues I have. I am a protected consumer. Your company is currently in violation of the following laws. This acocunt along with the Identity theft as well is causing more chaos on top of a divorce. I need this deleted immediately off my consumer report. Per Under 15 U.S. Code 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to : 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. And 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As stated above this collection is damaging my name and is defamation of character, which can in turn entitle me to monetary compensation. I am trying to fix this situation with you NATIONAL CREDIT ADJUST first. 
I am attaching my Identity Theft affidavit which was submitted through the FTC and submitting it per request. I hope this is all the information needed to get this matter situated properly and taken off my report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal Credit Union Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX After checking an updated copy of my credit report, I have found a few accounts listed above that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. In accordance with Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matter of accuracy, completeness and be able to verify each specific entry, according to FCRA 15 U.S. CODE 1681 ( A ) ( 1.A ) by law the account has to be removed while under investigation. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. Also, ( Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX XXXX ) reflecting payments saying I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you not even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I WAS NEVER LATE ON THESE ACCOUNTS I WAS NEVER LATE ON PAID ACCOUNTS WHICH THEY FAILED TO SHOW PROOF OF DOCUMENTS OF TRANSACTIONS SHOWING I WAS EVER LATE. ALSO FAILED TO VALIDATE ANY ACCOUNTS REFLECTING ON MY CREDIT THAT I HAVE NEVER DID BUSINESS WITH according to Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Consumer complaint received 2023-01-18
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$79.00} XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$89.00} XXXX Balance : {$50.00} XXXX XXXXXXXX Balance : {$74.00}
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-30
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. (FL)

Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and Im nervous. I cant even sleep. I believe someone used my personal information
Consumer complaint received 2020-06-03
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: GREEN ROAD FINANCE INC. (CA)

I paid off the principal balance of my car. I now owe some fees but they are still reporting late payments of fees only to the credit bureaus for fees only and refuse to negotiate so I can pay them off. In fact some of the fees are not fairly assessed.