davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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. (AZ)

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH 2017.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS 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
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

nsert account number ] Dear XXXX, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law.

I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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. (FL)

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group (GA)

On XX/XX/2023, Superlative RM contacted me. There has been over 50 phone calls to my place of work as well. On one occasion I was repeatedly threatened with legal action while attempting to verify the alleged debt. On a separate occasion ( XX/XX/XXXX ) the associate I was attempting to speak with verbally yelled at me repeatedly and would not allow me to ask to verify the debt via writing. When I requested verification he continued to yell and refused to provide verification. They have harassed me both at work and my own business after Ive told them to cease and desist and they continue to contact me without verification of the allegations in writing. This has been ongoing for approximately a year.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, equifax and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, Equifax and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (CA)

On XX/XX/XXXX Square alleged that I owed them {$400.00} on a disputed transaction with a customer of thiers. I disputed these charges because I was paid through Square by the cusotmers credit card with signature. This was for services rendered on vehicle maintenance that was athorized by the customer 1 month prior to Sqaure coming back to me. This was clearly fraudulent actions comitted by the customer trying to pull one over on Square and myself. I disputed this with Square and they ignored the issue and cited witht the customer. This is fraud beign commited by both the customer and Sqaure, who has now sold my information to a collection agency.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (MD)

Equifax requested a clear ID, to verify my identity. I attached the picture of my ID below. Hopeful that they will remove the inaccuracies as mentioned in CFPB complaint # XXXX, or provide a full detail in the investigation of the dispute.
Consumer complaint received 2021-08-30
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: JPMORGAN CHASE & CO. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase Credit Card violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I purchased an e-gift card on XXXX website. It turned out the gift card is invalid and fraudulent. I would like this website taken down so others dont fall into the trap I did. Chase is my bank and will not refund me for this scam.
Consumer complaint received 2021-12-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (SC)

This company keeps reporting inaccurate information on my credit report. Ive filed XXXX dispute and they arent correct the inaccuracies! My other reports reflect accurately and I would like this to be removed due to the inaccuracies claiming to be verified and a formal investigation not properly conducted. Please answer how an account goes from closed to open and now no information is available?
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I tried to get XXXX for my home and was told I owed around {$XXXX} for my previous account my account when I moved from my address was in good standings no money owed then I moved out of state to which I couldnt transfer services since XXXX was not in that state. I called to let them know I will be terminating my services. I moved out of the unit and nobody lived there. Once someone did move in, TO MY KNOWLEDGE when they contacted XXXX  my services was never terminated and it just kept going even while the new tenant were there for MONTHS. If the fist payment was missed then the service should have been interrupted but instead for some reason unknown the services went on for several months unpaid and uninterrupted to XXXX XXXX were the bill reached between $ XXXX {$XXXX}
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I scheduled a credit card payment with my current bank ( XXXX XXXX  XXXX ). The credit was redirected to a closed account at Us Bank. This happened XX/XX/2023. Since I have contacted and spent several hours on the phone with US Bank trying to get the issue resolved. They issued a refund check but didnt verify my current address and sent the check to the wrong address this was back in early XXXX. Since then I keep getting told that a new checked has been approved to be issued. They still have not issued the check to the correct address and no one at US bank can give me anymore information. Also they have made zero effort to stay in communication with me or even get this situation resolved in a timely manner. Their supervisors have taken down my contact information but have not contacted me once. After speaking with them today XX/XX/2023 they havent even saved my contact information. The amount owed is {$2200.00}
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I submitted a complaint to the credit bureaus about a fraudulent collection account on my credit report I have no prior knowledge of this account and also this account has not been verified I was doing some research and was told that if I submit a complaint to the bureaus and it has been more then XXXX days then this collection account most be removed which it has been
Consumer complaint received 2022-03-03
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)

Equifax added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Equifax is reporting inaccurate information on my credit file.
Consumer complaint received 2021-12-18
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. (TX)

XXXX, XXXX, Equifax Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : Equifax XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by credit grantor. 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TN)

I had a XXXX XXXX credit card with Chase Bank. The account was transferred to XXXX in XX/XX/XXXX. After the transfer took place, XXXX XXXX issued XXXX credits in the amount of XXXX each for airline tickets purchased on XX/XX/XXXX against the credit card I used for the original purchase. Unfortunately, that card had been closed by Chase and a new card issued. When my Chase account was transferred to XXXX these credits were not transferred over. Chase tells me they no longer have access to my account and can not help. XXXX has confirmed they did not receive the credits and they have not been able to get Chase to help.
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX Bank posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am XXXX and my birth certificate is from XXXXXXXX XXXX XXXX XXXX Social office will state from XXXX.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : XXXX : Sorry, you have an open dispute, so we can't provide your report Equifax : Sorry, we can't verify your identity, so we can't provide your report. 
XXXX : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.