davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (OH)

Wilshire Consumer Credit fraudulently placed me into a car title loan contract on XX/XX/2022. Although they are licensed to do business in Ohio, they failed to abide by the Ohio Revised code Section XXXX that prohibits licensee from accepting title or registration of a vehicle as security for the obligation. Also, according to the Ohio Revised code Section XXXX, the loan must not be more than {$1000.00} and extend the maximum of one year. I was not aware of this until after the false contract was completed. Since then they have placed the account on my credit report which goes against the consumer reporting laws and my consumer rights to privacy. This, in turn, has made it hard for me to obtain any credit going forward. I will be submitting a complaint to the Ohio Attorney General as well as the FTC regarding this matter. I want the account removed from my credit report and any money/interest paid to the company on behalf of my signature to be returned to me.
Consumer complaint received 2022-10-25
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)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Timeline Received text message alert on XX/XX/XXXX XXXX Direct Express Alert! Possible unauthorized transaction on account ending [ XXXX ]. Please call the number back of the card. Reply? Stop to opt-out XX/XX/XXXX XXXX Member made call to Direct expressed to report unauthorized use of account. Cancelled card, to wait for new card. Rep email request information regarding incident. 

XX/XX/XXXX received letter from Direct express with case number XXXX provisional credit issued notification XX/XX/XXXX direct express letter dispute declined XX/XX/XXXX XXXX i called call wait time was over 1 hr. Member unable to hold. 

XX/XX/XXXX XXXX I spoke with rep and transferred to supervisor. Wait time was over 1hr. 

XX/XX/XXXX I called direct expressed however wait time is over on 1hr unable to complete call XX/XX/XXXX XXXX called direct expresse was on hold over 1hr but was not able to connect with supervisor.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD MYT CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for one thing. Lastly, I have reported over 20 times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows 13 hard inquires but I have 52 and 62 inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the 62 inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX credit report I will be looking into an attorney soon.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (WA)

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

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-09-30
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-03
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-25
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. (GA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-12-27
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I'm submitting this complaint in reference to the Lexis Nexis knowingly reporting inaccurate data. My credit profile affected by these penalties this looks SUSPICIUOS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation to my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond on 30 days failure to comply with these federal regulations by FTC u.s c41, et esq.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent Equifax a copy of a report from XXXX noting my second credit card. Limit credit amount of ( XXXX ) {$10000.00}. .They did not include this information on my credit report from them. They sent me a credit report that I did not ask for, they circumvented my request. This must be including in my report to be fair.This letter was sent via US Certified letter, both included in this complaint. Please review the information that is uploaded.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLIANT CREDIT UNION (LA)

Alliant FCU has continually attempted to collect a alledged debt from me that I am disputing. I am a federally protected consumer and I have reason to believe Alliant FCU has violated my rights as a natural person. I had a consumer credit transaction with them and now they are alleging that I owe a alleged debt on an account that has been allegedly charged off, which the alleged charged off amount is incorrect. They also have admittedly reported private consumer information about the consumer credit transaction to the consumer reporting agencies without my express written consent as required by law. I have reason to believe was done in order to coerce payment on extension of a credit, which is a violation, criminally and civilly and violators shall be fined or imprisoned not more than 20 years, or both. Lastly they stated in communication that they have confirmed that the information they have reported about me to the consumer reporting agencies was accurate. Therefore I am requesting the details on how they verified that the alleged debt was valid. What means they took, who they spoke to, what dates, and what was the communication details of those actions ( what was said or done ). I am simply asking them to provide proof that they have not committed fraud against me. If they can not provide that valid proof then I demand remedy.
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-30
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. (NC)

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to fixed this suspicious information. I think you have not investigate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. These items was already included in my prior complaint and I included it again : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; MEDICAL Account Number : XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX XXXXXXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX XXXXas erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give EQUIFAX nor XXXX XXXX XXXXritten permission to furnish this account. 

Account Numbered # XXXX
Consumer complaint received 2022-08-24
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)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-09-30
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. (MI)

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 reports containing any of the following items 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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX 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 2022-09-30
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
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. (NJ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There is a fraudulent/unauthorized inquiry listed on my consumer report that I did not give anyone permission to pull. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strick proof of my consent to furnish this information on my consumer report or delete the item immediately.