davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (IA)

XXXX, Midland Credit and who lives near me inquirying my workplace. Workplace hiding reason for hiring. XXXX XXXX XXXX. Via Nurses indirectly by spouse or family ties. 
Setting up and abusing for their own pleasures. Nurses using Substances of catalogs and Midland credit gesturing towards selfish me when it is selfish them! I decided to check out XXXX reason for getting the catalog mailed to my place there are others too! Bought only {$200.00} of which went down to {$100.00}. XXXX when Covid-19 hit. Attempts to pay went to the side in efforts to obtain reemploment. Going through XXXX nurses blocked me since I choose my life ways and was not the XXXX nurses who stalk and scheme via merchandise and proceed to attack via peering into my spending with a tracking device on my body. Midland gestured and taunted with me taking a screen shot of an obvious taunt when my charges went down to {$140.00} and computer getting stuck doible payment did not show. These telephone aides were not explaining anything as showing payment and Road the lies at me. One went as far as tell me to get the facts with no comments saying payments applied. 
I took the screen shot that disappeared out of my phone as it is proof stalking and novas Ive ways proceeded using my date of birth and name to get into my phone computer in google lines. Thus my gmail froze up besides changing all banking more then once since Midland credit lobed onto my payments. Midland is dirty dealing and gestures gaming to be abusive and rude, including using my employer to obtain for themselves the goal of XXXX acts. To ask me to remember my conversation is also to remind them what they did not do. Spit out who they represent instead of upfront paying A BILL. XXXX acts are not allowed if Unions and predator practices are used. 
I therefore claim Midland and bill collectors tactically destroying this country for themselves. Taunting, scheming, stalking and breaking into peoples lives to be XXXX themselves with the misering minds they stand up for. did
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} 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 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 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ROBINHOOD MARKETS INC. (PA)

Credit card, brokerage, financial institutions rejected and refused to offer disaster impact assistance during the entire year of XXXX and XXXX. This resulted in several accrued fees and compound debt, including late fees, mis reporting to all three major credit agencies and preventing me from purchasing a home. Also, after putting in several phone calls and sending several letters dated back to XX/XX/XXXX, disaster impact by COVID 19 and unemployment was provided to ALL included institutions and nothing has been approved or adjusted in accordance with prior and recent legislative terms and conditions.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IA)

This is not a duplicate complaint. Chase Bank is unfairly denying fraudulent activity that I have proven with at least 4 or 5 other agencies that verify that the contracts were voided and there were multiple fraudulent charges. XXXX does not know the tort laws. XXXX aided and abetted an enforced disappearance of an internationally protected person. The Tires plus transactions are fraudulent and they violated the terms of the agreement. It is not a matter for small claims. Theyre extorting an internationally protected person. They dont understand that theyre imposing sanctions against the United States government for not being compliant. Theres over 30 pages proving fraud. 4 or 5 independent agencies including the FTC. The UCC and the FTC state that I dont need to take it to small claims. Small claims is an abuse of the legal process because they are responsible for trafficking related offenses, debt bondage, and peonage. Theres also a limit on the amount that you can take to small claims.
Consumer complaint received 2024-02-18
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)

Illegal reporting to 3 major credit reporting agencies XXXX FUNDING -NO VALADION OF DEBT PROVIDED UPON XXXX FUNDING - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2022-11-18
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. (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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FISERV INC. (CO)

On XX/XX/2020, my wife and I received a Visa Debit card neither of us applied for. The address is Money Network Cardholder Services, XXXX XXXX XXXX, XXXX, NE. There is a Department of Treasury Seal on the letter. If this letter had fallen into the wrong hands and/or was not delivered to the correct address, a fraudulent person would have opened this card without our knowledge. This is a disgrace. Do not this case card or this bank.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CA)

I am filing this identity theft report in response to the derogatory remarks that Wells Fargo BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$19000.00}. 
Date opened : XXXX Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

My current address is XXXX XXXX XXXX XXXX NJ XXXX all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Consumer complaint received 2024-02-17
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. (CA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 2022-11-18
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: Experian Information Solutions Inc. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; Medical XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Consumer complaint received 2023-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

On XX/XX/XXXX I got a loan for {$500.00}. I've paid {$96.00} the first pay back XXXX week after I got loan, and {$66.00} every week since I got the loan. Today 's date is XX/XX/XXXX, I've done paid the {$500.00}. plus interest and they are saying I owe still owe them {$2500.00}. That's crazy!! I would've never signed up for that. It was a pay back of almost {$700.00}. is what I agreed to or thought I agreed to. I can not afford to continue to pay these amounts of money.
Consumer complaint received 2022-11-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings (IL)

I've disputed this account numerous times with the credit bureaus and with the company too. I do not have a contract or agreement with this company at all and never committed to what they are claiming. They also have violated consumer protection laws such as 15 U.S. Code 1692b - Acquisition of location information, 15 U.S. Code 1692f - Unfair practices, and also denied receiving a certified letter I sent to them to resolve this issue. Last but not least they do not even have a license to collect debt in the state of Illinois too. I'm in distress about this and need this account deleted from all 3 credit reporting bureaus immediately!!! 

Account # : XXXX
Consumer complaint received 2024-02-17
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. (PA)

My credit reports are still showing a late payment for my XXXX XXXX XXXX XXXX, Acct # XXXX for the Month of XX/XX/2022. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?
Consumer complaint received 2024-02-17
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. (WA)

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. 

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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 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 2022-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (IA)

Southwest credit systems has unconfirmed and lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET Section 604 of the FCRA. I accept no responsibility for ownership of this debt ; however, Im have tried in good faith to compromise and offer a settlement amount in exchange for written terms. I have tried in good faith, but it is apparent that Southwest credit systems does not wish to settle and accept any form of payment for the alleged Debt. If they are unwilling to, I can only assume that southwest credit systems intentions are that of a malicious nature and does not want or has ever wanted to settle this matter timely, good faith or with intelligent resolve.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

previously disputed XXXX BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XX/XX/XXXX while XXXX XXXX report XX/XX/XXXX and XXXX reports XX/XX/XXXX. There is no way that account can be reported as open with XXXX bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (SC)

On XXXX the XXXX I emailed the company and asked them not to draft a further ACH debits from my account. They emailed back saying they acknowledged the request but they are continuing to draft from my account.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 

this debt is not mine. i spoke to the company and reported it as incorrect, however, they dont pay me any mind Account info Account number XXXX Date opened XX/XX/2017 original amount {$300.00} Balance {$610.00}