davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-26
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 formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-03-05
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: FACTUAL DATA CORP. (IN)

I have contacted XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and Factual Data ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

Withdrawal was made from my checking account for {$5900.00}. I called my bank to find out who authorized this payment and was told it was from a debt collector. I then called said debt collector and was advised a judgement was placed against me for a supposed debt owed in the amount of {$3100.00} from 2008. I was not notified of said judgement or that any legal action would be taken. They are refusing to return my funds. Also more money was taken from me then Is supposedly owed.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On Saturday XX/XX/XXXX Enhanced Recovery Collections put a collection account on my credit stating that I owe XXXX XXXX {$51.00} from when I lived in XXXX, Fl in XXXX. I called them on yesterday several times and infromed them that I dont have a balance with XXXX and that this is a fraudlent charge they are trying to collect. They informed me that they have bill that states that i owe money, and that is a lie because that is not a real bill from XXXX. and I can prove it. I called XXXX and spoke with their collection dept on yesteday for an hour, they looked in their entire datebase and could not find one account that I had with a charge off balance. the account number the collection agency gave me was my old account number with XXXX. I gave XXXX the account number and there is no balance owed under that account number. I was told to go into a XXXX office which I did and for them to provide me a statement showing that I dont owe anything. They could not print out a statment given that the account was to old. However the manager took a screen shot of my account to show that I dont owe anything to XXXX under that account number. I will attach that print out he gave to me to this complaint. This collection company is knowingly trying to take my money on a fake balance and saying that they are working for XXXX to collect a balance. XXXX has not retained their services because there is nothing due to them from me. I spoke with 5 suprvisors with XXXX on yesterday in Billing, collection and customer service and not one of them shows a charged off account nor the account in question that this collection company is trying to say I owe on. Account # XXXX is the account number they say XXXX shows a balance for. Tell me this, how is it that this collection company can cliam XXXX shows a balance but when I spoke with XXXX they show no balance.This is blatant fraud on thier part. There is no balance due to XXXX for me. They wanted me to call, XXXX 's XXXX dept and sign and affidavit or something. I dont even think XXXX has a fraud dept for this and when I spoke with the real XXXX they said why would you do an affidavit and we are not collecting anything for this account. This collection company is breaking the law and trying to collect on debt that is not REAL!! I want this removed from me credit report and I have filed a dispute as well with the credit bureaus. When I called the collections company back and asked them how could I send them the copy of what XXXX gave me that shows that I dont owe them anything, the gentleman that was on the phone told me to hold on and then he hung up in my face. I called him back and he did the same thing. He did this because he knows that I have figured out what they are up to and trying to pull on me.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (MD)

I used my Cashapp credit card to make an online purchase. After not receiving the items ordered nearly 3 months later and contacting the merchant several times, I asked Cashapp to perform a chargeback. Cashapp denied my request. When I asked to see documents on which the denial was based, Cashapp provided me a copy of a document which showed that I authorized the transaction. The fact that I authorized the transaction has nothing to do with the fact that I did not receive the items. Cashapp did not attempt to contact the merchant or do any type of investigation and they refused to help me any further.
Consumer complaint received 2023-08-04
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)

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.

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 2023-02-21
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. (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 XXXX : 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 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AR)

On XX/XX/XXXX I initiated Online Payment transaction # XXXX To XXXX XXXX XXXX XXXX in the amount of {$11.00}. In XXXX I received a statement from XXXX XXXX XXXX showing that amount still due. This began my attempts to rectify the situation. I sent the payee " Proof of Payment ''. The payee said they never received this amount. I called Chase Bank 's customer service. Chase said the payee did receive the payment, case closed. 
Now, after numerous calls to both Chase customer service and to XXXX  XXXX XXXX XXXX, after numerous written request for assistance, over these last three months, I am told my money is gone and there is nothing Chase can do about it. I have pieced together that somehow Chase 's online payment program decided that XXXX XXXX XXXX XXXX  could be paid electronically rather than with a paper check. This is not something I could've done. XXXX XXXX XXXX XXXX   tells me they do not have an electronic payment agreement with Chase. I have given this information to Chase and ask that they research to whom the payment was made. Chase says they are incapable of doing this. Again, case closed as far as Chase is concerned. 
Obviously this is a very minor amount of money, but what if it wasn't? Chase thinks it can handle my money in a haphazard and erroneous fashion and then refuse to resolve the issue leaving me not only out an amount of money but also still liable to the payee for a legitimate charge?
Consumer complaint received 2024-12-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FC HoldCo LLC (MI)

On XX/XX/year> I was harassed by a female customer service representative at Flagship Credit. She refused to give me an update on Flagship rectifying their error, and continued to yell and cut me off with every sentence. This representative went on to tell me that Flagship would never allow me to be a customer again because I can not afford their services. She assumed my socio-economic status due to my race. I have never been subjected to such abuse when seeking assistance from a customer service provider before.
Consumer complaint received 2024-12-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: M/I Homes, Inc. (NY)

In XXXXXXXX XXXX XXXX I signed a home purchase agreement with builder M/I Homes for a new construction home in XXXX I reside in XXXX and was planning on moving to XXXX  ; commuting to work in XXXX XXXX XXXX. The builders in-house lender M/I Homes was informed of my situation and pre-approved me for the FHA loan ; M/I Homes then took payment of earnest money deposit. 

A letter from my XXXX employer was also given to M/I Homes as requested, stating I was able to commute to work in XXXX M/I also requested a letter of my expenses while I stay XXXX  for work, which I provided. The loan officer then had changed some verbiage on the letter, which made me question the integrity of M/I Homes ( REMOVE-I will still be paying XXXX taxes ), and stated not to worry as this letter can be signed at closing ; this letter was sent to underwriting. 

I was set to close in XXXXXXXX XXXX  XXXX weeks prior to the closing date, I received a call from M/I Homes loan officers that underwriting could not approve the loan as they had concerns on FHA owner occupancy requirements. 

I was upset by the news and requested return of earnest money deposit due to the circumstances. 

After numerous attempts and conversations, they have refused to return my deposit. 

I am seeking refund of EMD from M/I Homes due to being misled about qualifying for the FHA loan and taking payment of EMD.
Consumer complaint received 2022-07-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Date XX/XX/21
Consumer complaint received 2023-01-23
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. (LA)

Consumer law state all Consumer Credit Reports must be accurate and Truth in Lending. Transactions and experiences are not included in public information. Including utilization and payment history. Which should include soft and hard inquiries
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  todays date XX/XX/year> Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of this debt. Please provide the following information : 1. **The amount of the debt** : A detailed breakdown of the amount you claim I owe, including any fees or interest. 2. **The name of the original creditor** : The name and address of the original creditor to whom the debt was owed. 3. **Proof of the debt** : Documentation that shows I agreed to pay the debt, such as a signed contract or agreement. 4. **Verification of your authority** : Proof that you have the legal right to collect this debt, including any documentation that shows the transfer or assignment of the debt to your agency. Please consider this letter a formal dispute of the debt until you provide the requested information. Additionally, please cease all collection activities until this debt has been validated. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-12-06
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. (TX)

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are  being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : Equifax and XXXX  2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3.  AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax, XXXX   and XXXX  4. Account Name : XXXX XXXX   XXXX Account Number :XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax and XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

Between XX/XX/XXXX to XX/XX/XXXX navy federal has charged both checking account for oops over drafting of {$20.00} each over {$2000.00}
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Overdraft protection fees and insufficient fund fees taken multiple times and not have been refunded the amount taken. {$35.00} was taken each time. I remember calling one time for the first forgiveness. Ever since I was not able to get the money back.
Consumer complaint received 2024-10-08
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. (AZ)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ), an auto loan account open at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ), A credit card account open at XXXX  XXXX on XX/XX/XXXX account number ( XXXX ), A credit card open at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), A credit card open at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries XXXX XXXX XXXX FIN on XX/XX/XXXX XXXX XXXX NA on XX/XX/XXXX are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX