davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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: LEXISNEXIS (FL)

XXXX has been falsely furnishing my report stating that i have a bankruptcy on file.

I have documentation from the US BANKRUPTCY COURTS OF SOUTH FLORIDA stating I DO NOT HAVE AN ACCOUNT ON FILE NOR DO THEY FURNISH ANY DATA TO THE CREDIT BUREAUS OR THIRD PARTIES! REMOVE THIS FALSE INFORMATION IMMEDIATELY 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, Equifax XXXX and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks.

The unauthorized inquiries are as follows : 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 Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates has been harassing me and contacting me nonstop since XXXX about a debt from XXXX on behalf of another company XXXX XXXX XXXX XXXX ) The debt has been discharged and charged off. I'm not sure why it is STILL being reported to the credit bureaus. I have never had any dealings with Portfolio Recovery Associates or owed them any money. Despite my attempts to explain this to their representatives, they continued to harass me and threaten legal action if I did not pay the debt.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

Hi, I Requested multiple times that Equifax Fix my online Account and update it so I can see my Accurate Credit Report and Score. I Spoke to a Representative and Equifax told me that I had to send my Social and identification card which I sent ( evidence of that will be uploaded ) .Equifax is keep saying that they havent received my mail but somebody at Equifax is signing for it so I dont see how there not receiving it. I also did a complaint thru CFPB and uploaded my identification and they keep saying its hard to see, but how is it hard to see and u update my address but left the negative item on my credit report. Equifax is still say that the dispute from XXXX XXXX is still under investigation and on the CFPB its closed! Please help me make this make sense.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

To whom it may concern I am writing yet AGAIN, more times than I can count, to put DISCOVER BANK on notice of the account ending in : XXXX and how it's fraudulent reporting of this alleged debt and adverse action to the consumer reporting agencies has negatively affected my life, my wife 's life and my children 's life as it has created tremendous hardship in our everyday lives. I have attempted on multiple occasions to relay to you that the negative reporting on my name is in error and violates FDCPA and FCRA. Upon further due diligence it has come to my attention that ALL credit balances from XX/XX/XXXX to XX/XX/XXXX are owed to the consumer. As stated on the back of each billing statement " Credit Balances. If your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement ''. This statement directly correlates with 12 C.F.R. 1026 11 ( a ) as well as proof that the XXXX total amount of money that I allegedly owe should have been sent to me as a refund and not sent to me as a billing error monthly and definitely now falsely reported to the credit repair agencies damaging my name and good reputation. I have included a copy of your documentation as verification and I am putting you on notice that I have also correctly filed a 1099C with the Internal Revenue Service as you have reported a " charge-off ', in error, to the credit reporting agencies further damaging my name and defaming my character while also making it impossible for me to obtain and maintain a standard and suitable living as my name is no longer " good '' ... as you failed to provide me with a copy of the 1099C thus causing me to incorrectly report to the IRS and file my taxes correctly as I should have added the " charge-off '' amount to my yearly earnings as income.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Owned : {$0.00} 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Consumer complaint received 2022-06-17
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. (IL)

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 # 1 : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # 2 : XXXX XXXX  XXXX, have violated my rights, Account # 3 : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having XXXX late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action. 
Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED XXXX XXXX XXXX  WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED FIRST CITIZENS BANK - 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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, Equifax, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXXXXXX XXXX demonstrating the inaccuracies. 
XXXX XXXX XXXX XXXX report the last payment as XX/XX/XXXX, as Equifax reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as XXXX XXXX Equifax report the closing as No info. 
- XXXX displays XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX reports the account as a charge off - XXXX, XXXX just as Closed, and Equifax is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (KY)

Received statement from Sequium asset solutions LLC stating I owed XXXX XXXX money for tv and internet services which I verified with XXXX XXXX was not due and they did not send info to Sequium for collection. Scary that Sequium could get that info. Tried to contact Sequium but could get no one to call me back. According to XXXX XXXX XXXX  there are numerous complaints against this company and it is not accredited by XXXX Sequium needs to be put out of business and someone accused of fraud. Thanks
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: Debt Recovery Solutions, LLC (GA)

On XX/XX/2020 I submitted a dispute letter to XXXX asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and XXXX has yet to respond or even notify me of any investigation results or updates.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (TX)

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

I need this company to prove that that is my signature on the documents that they claim they have. If that signature can not be proven to be mine, then this fraudulent information needs to be removed from my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (TX)

I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is " southern management '' and I have the proof. Southern management and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) XXXX XXXX  then submitted a collection for the very exact apartments ( XXXX  ) so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from southern management of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the same apartment. The date I made the settlement with the original creditor for cadence apartments was XX/XX/year>. I believe XX/XX/year> is when national credit put the same apartments back on my record requesting collection
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

A fraudulent credit account with SAMs Club was taken out in my name. As of XX/XX/XXXX, it is in collections ( see attached ). I did have a SAMs Club credit account, but this was closed in XXXX ( see attached ).
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management services is charging me outrageous fees because I pay my mortgage on the last day of the month close to {$200.00} in fees. These fees should be illegal and they acquired my loan which I did not want. This company should be shut down due to fraudulent practices.