davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (TX)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My unfortunate experience was related to a fraudulent scheme involving " pig butchering ''. When I attempted to make a withdrawal, the scammers demanded a tax payment. Regrettably, I was deceived into depositing my funds onto a server engaged in cryptocurrency mining. 

I initially encountered these scammers on XXXX, and the primary mode of communication with them was via XXXX. They managed to persuade me to invest my money in an exchange with the promise of generating profits. 

During several transactions conducted between XXXX and XX/XX/2022, I deposited my funds. However, when I sought to withdraw my funds I was unexpectedly required to pay a substantial additional fee. Despite my numerous attempts to seek clarification and retrieve my funds by reaching out to them, my inquiries were met with silence.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

Initiated transfer of {XXXX} through Wise US Inc on XX/XX/2023. After withdrawing {XXXX from my account, they emailed that on suspicion of fraud, they can't transfer and shall refund to my bank. However in spite of repeated reminder, they have not credited my account. Also US office says, need to email and there is no number where I can get clarity on matter as to reason for closure and also by when can expect funds.
Consumer complaint received 2023-12-06
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. (FL)

been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.
Consumer complaint received 2023-12-06
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NCB Management Services Inc. (FL)

LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR EXECUTIVE OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND XXXX KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 

IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. 
I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. 
UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. 

OPTION XXXX : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are late payments on this account ( XXXXXXXX XXXX XXXX XXXX XXXX which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-12-08
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. (TX)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

I received notification from National Credit Systems , Inc. that I had an outstanding balance with XXXX Apartment Houses- XXXX, OH and an invoice for the outstanding balance was sent via mail in XX/XX/. I did not receive an invoice nor any other form of communication from XXXX ( of which they possess my phone number and current address ). I directly called XXXX corporate office in XXXX, OH and left a voicemail message stating I had been turned into a collection agency without receiving any type of communication from the property manager/corporate office. I immediately received a telephone call from the property manager ( XXXX XXXX ) during which she informed me that I did not give proper 30 days notice of my vacation. I have a series of emails and phone records during which she and I discussed my current living situation. I received text messages and even visited with XXXX on the day I vacated the property once my professional cleaner performed her duties after the movers packed up my belongings. During my last phone call with XXXX in XX/XX/, she informed me that she would get back to me after speaking with the corporate office. I did not receive any communication of any form from her or XXXX. 

I have had multiple conversations ( of which I have dates and email correspondence with XXXX XXXX of National Credit Systems , Inc. ) during which I was told she would follow up with XXXX for additional details and to await for further information. I did not hear back from XXXX following my last conversation with her on XX/XX/. 

Since then, my credit score has suffered a significant hit because of the reporting of National Credit Systems, which I want to be rectified for this lack of communication and misrepresentation of my non paying a supposed final balance. 

All email correspondence is available, as well as dates, times and participants of telephone calls regarding this matter.
Consumer complaint received 2023-12-06
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I have written to this company on multiple occasions to get this issue resolved. I have never had services with this company, and I am not aware of who they are. They are claiming that I owe a debt for services or merchandise that I have no knowledge of. I have informed this company that this is a case of fraud and identity theft, and I have asked them to cease reporting this fraudulent information to the credit reporting agencies. They have refused to remove this from my credit, and now I am prepared to seek litigation for monetary damages. This fraudulent entry on my credit report has caused me great financial distress. Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you XXXX again for your time and I look forward to having Midland Credit Management removed from my credit file.
Consumer complaint received 2023-12-08
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. (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.

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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (TX)

On XX/XX/2023, a Military Star card was opened for the amount of {$850.00}. 

Military Star XXXX XXXX XXXX XXXX, TX XXXX I didn't not apply for this line of credit, and believe you have to be an active member of the military to open this. 

I was notified by XXXX XXXX and XXXX to verify this account and that is how I found out.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (NC)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX  15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

We have been calling XXXX XXXX since XX/XX/XXXX everyday or every other day until XX/XX/XXXX. XXXX XXXX has advised that they are not a mortgage company and our mortgage is owned by Lakeview Loan Servicing LLC. 

Attempting to communicate with Lakeview only puts you back in touch with XXXX XXXX. If this form is not completed, XXXX XXXX XXXX XXXX is going to access us {$9200.00} impact fees to build an addition to our home. The addition is going to cause no impact because only family is going to reside in it. 

We are not going to expand our family and my wife and I have lived in the home for 40 years. It would be a Biblical experience for my wife, XXXX XXXX XXXX and I, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX veteran, to expand our family. 

We are in a bureaucratic black hole between the of XXXX XXXX XXXX XXXX and the bureaucracy of being unable to get a simple form completed by whoever holds our mortgage. XXXX XXXX says they do not hold the mortgage and Lakeview is impossible to communicate with.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX