davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

I most recently pulled my credit report and noticed an account with your company JEFFERSON CAPITAL reporting an account with the account # XXXX. I am challenging the amount you are attempting to collect as I do not agree, and I strongly feel that your company is in violation of Section 807 ( 2 ) ( A ) of the FDCPA. Your company is reporting unverifiable information to the credit bureaus. Because I have no access to this account to verify this information, I am requesting that you provide ALL historical data of this account. Please include the original contract or promissory note which should include the fees, interest rates, penalties, etc. The amount on my credit report is not the same as the balance I had with the original creditor. The contract you provide me should clearly list your company as a business affiliate or associate of the XXXX, as to any amount due to be paid to your company. I am completely unaware of being obligated to pay your company any amount. There was nothing sent to me informing me that I have anything due to you. Also, I have most recently learned that you must have MY permission to report this unverified debt. Please remove this immediately from reporting to the CRA 's until further investigation is done. Please inform me of the amount of which the debt was purchased and the forward flow agreement. Per the CFPB, I have this right as a consumer. I have received nothing validating this debt, and it has been well over XXXX days. I will be taking Jefferson Capital to court for negligence and gross misconduct if this account is not removed within XXXX days.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-15
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. (NC)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/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
Consumer complaint received 2020-07-07
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. (WI)

XXXX XXXX just started reporting to my equifax credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with XXXX XXXX. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the XXXX  and XXXX. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with XXXX XXXX ( who is currently in a class action suit for fraud ) and Equifax for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent four validation letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from Experian. 

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history. 

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly request Experian to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data. 

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that Experian will uphold its responsibility to ensure the integrity of credit reporting.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I made an online purchase for a 24 foot ladder with Lowes. When the ladder was delivered, my husband told me I had ordered the wrong size because the ladder was too tall to fit our shed. I went back on line to lowes.com and spoke with an rep/agent named XXXX, She placed an order for a 26 foot ladder and reassured me that the 24th ladder would be picked up when they deliver the 16ft ladder and I would be reimbursed for the entire purchase of the wrong ladder, including the delivery fee. I got my XXXX statement and the charge was not reversed as I was told. I have called the online number and have been advised to call 3 different Lowe location. I am will to pay for everything I order from Lowes however I am not willing to pay {$280.00} for an item I did not receive. I was told that the person who does the returns was behind and it should give it 14 days. It has been since late XXXX that this all started. I have been told that management would call me, to date, I have not heard from any one. I have been given the run around and have had to wait on the phone for hours and hours trying to speak with someone. The associates are rude and unprofessional and the managers just past the buck. Please help me.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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.

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : DP OF EDUC Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, XXXX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me.

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$770.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$1100.00} XXXX ; Reported : XXXX XXXX, 2024 - {$1600.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$5100.00}
Consumer complaint received 2020-07-07
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: CORELOGIC INC (CA)

In response to my complaint files with CFPB ( Complaint ID : XXXX ), Corelogic has provided insufficient and inaccurate information. 
In their response to my complaint, they concluded XX/XX/2020 was the last correspondence with me in this matter requesting my information which is incorrect. 
On XX/XX/2020 I also certified Mail then a request to provide details on their inquiry into my credit report which they have received on XXXX, 4 days prior to responding to CFPB. 
Corelogic is performing unauthorized inquiries into consumers ' credit reporting with XXXX and has failed to provide proof of authorization and stalling every effort to including failing complaints with CFPB.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? Thank you
Consumer complaint received 2020-07-07
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. (MO)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 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.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NC)

I XXXX XXXX entered into a consumer credit transaction with Conn Credit Corp. on XX/XX/2018. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Conn Credit Corp then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

Under the user agreement of pay pal, I must be XXXX  years of age. after verifying my identity, using my permit, pay pal applied a limitation on my account due to being XXXX. the limitation was for 180 days and provoked me of transferring my XXXX $ to my bank account. After 180 days of the limitation on my account had started, which was promised to send an email to send me an email about resolving the limitation, I called customer service because I didn't receive an email in around 200 days. When I called Pay Pal, I received a document verification and needed to submit my identity documents for verification i was XXXX. I was XXXX and my drivers license provide that information. But Pay Pal applied another limitation as they wrongly evaluated I was not XXXX. I had been XXXX for about 2 months. So, I called again for another document request for my limitation after wrongfully being evaluated as XXXX. Finally after waiting another 180 days since my second limitation. I received a email describing how to resolve a limitation. However, as I tried to provide my information, my submission of my photo ID is still under review from 175 days ago.. After 175 days for my documents to be evaluated, I don't receive an update on resolving my limitation by proving I'm XXXX thus removing my limitation, thus giving my XXXX $ back.
Consumer complaint received 2022-08-15
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. (NC)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (GA)

Amrerassist is aware of the fraud alert on my account and the loss I have experienced. They have failed to provide the debt validation requested via XXXX and XXXX  yet continue to report an invalid debt.