davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-24
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: Shellpoint Partners, LLC (CT)

Newrez doing business as shell point mortgage servicing reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX//22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that either.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

I was using the ATM outside my banking institution. M and T Bank XXXX XXXX XXXX XXXX NY XXXX. I accidentally put cash in the check slot. Instead of sending the cash back out it ate my money. It also kept my ATM card. I had to go inside to get the card back and I thought they could just give me the cash back. However they said I would have to fill out a dispute and they would give me a provisional credit. I filled out paperwork I put in the dispute they gave me a provisional credit for the {$360.00}. Someone in the bank after I left changed the amount to {$260.00}. I never authourized the adjustment neither had they even completed and audit of the ATM. Some teller took it upon themselves to change the amount. I was livid I went back into the bank they refused to give me the paperwork or even who changed the amount. I can tell you this wasnt my finest hour. My husband had to drag me out of the bank as I was yelling and screaming. I went to another M and T Bank and spoke with a XXXX XXXX XXXX XXXX and showed her the paperwork. She put in an internal complaint because they should have never touched the provisional credit. She said they would put the {$100.00} back into my account. I asked her to please get the name of the person responsible. I looked into my account the next day and the {$100.00} was not in there I again called XXXX. She said to give it time I again asked for the tellers name who changed my provisional credit because I was going to file a complaint with the Federal Reserve Board and CFPB. Within an hour of saying I was going to file a complaint the Branch XXXX from XXXX NY XXXX XXXX XXXX called and said she was closing all 3 of my accounts of 25 years. I believe this was in direct retaliation for my filing complaints against this bank.
Consumer complaint received 2023-02-24
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. (CA)

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXAccount # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXXAccount  # XXXXAccount name : XXXX XXXX XXXXAccount # XXXXAccount name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Accojnt # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXXwas properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX I called to have XXXX removed for a false claim that I owe them money. I provided ample evidence to show my numerous attempt to contact XXXX and their refusal to respond. Equifax removed this false charge. 
XX/XX/XXXX I called Equifax to ask why I'm being denied a loan with a XXXX credit score and no collections. They proceeded to tell me that I have had XXXX in collection from XXXX works. I explained to them that nowhere on my credit report does it show this in collections. They proceeded to argue with me that I must be mistaken ( with a XXXX credit score? ) I immediately called XXXX XXXX and paid it in full. 
XX/XX/XXXX I called to request the removal of XXXX XXXX with proof of payment instead of waiting 30 days for it to be reported. I was told that that wasn't a problem. 
XX/XX/XXXX I called to ask why my credit score is in the 500 's. I was then subjected to being disrespected, placed on hold for a long time, told that I can report them if I had any issues and that it was that low because of all my disputes. Afterwards I was notified that I had purchase a credit protection from Equifax and every single one of my messages have been deleted. 

This experience has caused me so much pain, grief, any chance of getting a place to live, and now I can't get a car. I have nothing because of this and knowing that they can erase all my information, add false information, and make purchases on my behalf has me freaking out and physically ill. I don't sleep, I have to spend a huge amount of money to rent a car to grocery shopping and run errands because I can't get a car.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (NY)

I XXXX XXXX am responding to this response from Experian : Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. 

I XXXX XXXX did send this complaint and request to removed and blocked the items listed on my FTC report
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc. (AZ)

Prosper has engaged in repeated harassing calls in spite of both being informed verbally on XX/XX/XXXX that it was considered harassment and to stop calling, and with written notice, which they acknowledged receipt of, via email. Their behavior is exactly why the Debt Collection Rule, effective XX/XX/XXXX was put into place and they were informed of such fact on XX/XX/XXXX. 

My current phone log only goes back to XX/XX/XXXX, but shows a total of 110 violations of the following rules : " The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt More than seven times within a seven-day period, or Within seven days after engaging in a telephone conversation with you about the particular debt. '' Prosper averages 4 calls PER DAY, with few exceptions. The call log and counted rule violations are in the attached spreadsheet, along with screenshots from my call log which show 383 calls being placed over the aforementioned timeframe. 

Prosper was directly informed via email to cease phone communications and have someone from their settlements department contact me via email, directly, on XX/XX/XXXX and receipt was acknowledged by Prosper on XX/XX/XXXX. Prosper has no interest in solving this matter, but instead opts to engage in a flurry of debilitating and harassing calls.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : PORTFOLIO RECOV ASSOC , has violated my rights.

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.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. 

Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 
1. Not even 10 days to return the questionnaire.

2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. 

Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 
1. Not even 10 days to return the questionnaire.

2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.
Consumer complaint received 2023-02-24
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. (IL)

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX IL XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-02-24
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information 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 or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-24
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)

Consider this as a follow-up to my complaint last XXXX/23.you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., Please block these items that resulted in alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to Santander in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to Santander chat feature where the Santander rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that Santander could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!
Consumer complaint received 2023-02-24
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. (DC)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX  ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Markoff Law LLC (MI)

Agreed on payment plan XXXX frist payment due XXXX amount XXXX. 
Remainder of XXXX in monthly payments of XXXX. In XXXX of XXXX received a copy of request and writ for garnishment for income tax. For XXXX. I called on XX/XX/XXXX they could not find no record of payments at first after some time on tbe phone it was found and they apologized for the mistake. At that time I was tild I only owed XXXX. And was tild I was ahead in payments. I do not work regularly and have sent larger payments when I could. Received a nother letter in XXXX. Dated XX/XX/XXXX motion to set aside orders for installment payments. I happen to call them on that date to find out balance before knowing this was in my mail box. And was told I owed XXXX. They again could not find records off .my XXXX payment was told i only had payed a little over XXXX. I had to go to the bank and send cooy of the chk. On XXXX received a letter from court i have to reply in 14 days and again the amount is XXXX. I have called the debt attorney twice have not been called back. I have called and talk to customer service 3times and email cooy of payment. This has been awful stressful and has made me sick. According to my records Im ahead in payments.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.