davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is not a duplicate item. 

This is a new and valid complaint. 

XXXX XXXX XXXX, as you will see from the attached document continues to report this bogus collection with missing data and deceptive collection procedures, even though after the evidence was presented against them they agreed to delete this from my credit report and the date is clear, they reported it again in XX/XX/2022. 

This is mockery yo the collection process, mockery to the consumer protection board, and they have yet to be held accountable for their deceptive trade practices as earlier disputed. 

They continue to report this report illegally and equifax continues to host this report even after the evidence proved they were being deceptive. 

I demand an investigation into the by administration of the consumer board and seek charges against rent recovery for their continued deceptive trade practices. Its illegal, they are breaking the law, defrauding me, and the law is as follows below. 

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and XXXX XXXX XXXX Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX  XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery is reporting an incorrect, inaccurate debt on my XXXX Credit Report and other credit reporting agencies. 
Portfolio has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with Portfolio Recovery. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, Portfolio Recovery has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted XXXX and reported this debt as invalid. XXXX responds that debt is verified with no underlined proof of how they verified this debt. 
Both Portfolio and XXXX refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (KS)

My brother stole my card and used it. He withdrew cash out of the ATM while I was home sick with XXXX. I called bank and they said I benefited from it and Im responsible. Even tho I provided them with the police report number and the detective working the case. Now they say I am just out the XXXX dollars
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2023, I received a message from my sister asking if I could loan her some money. I was unaware that my sister 's account was hacked and this was actually a scammer. After the transaction went through I then realized that it was not actually my sister. I am a caregiver for my mom which keeps me busy, so I wasn't thinking real clear on this. I thought my sister was asking for help and I try and help when I can. As it turned out the payment went through PayPal, I put a stop payment on it as soon as I could but it had already gone through. I called my bank and left them know what was going on, I was told to take my banking account off of PayPal because each month they automatically withdrawal my statement amount from our checking acct. I did that and I also put a dispute in to PayPal but it came back as : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

I was then told to contact the fake acct person and ask for my money back, which I did but of course they are not responding back to me. 

Here is some info on this : You sent XXXX XXXX  to XXXX XXXX Transaction ID XXXX Transaction date XX/XX/2023 SENDER XXXX  XXXX RECIPIENT XXXX XXXX XXXX Money sent XXXX EUR = {$200.00} USD Fee {$4.00} USD Paid with : XXXX XXXX  {$210.00} USD I sent her/him a message : XX/XX/2023, XXXX XXXX  I want my money returned, I put a dispute and stop payment into PayPal. If the transaction already went through to you and you won't refund me then I can take legal actions. I know you hacked my sister 's acct to do this, I have all the messages to prove it. 

XX/XX/2023, XXXX XXXX  I haven't heard anything from you regarding this hacking scam transaction. You have not refunded my money, I am putting another dispute into PayPal and I am also contacting the police. 

I don't know what else I can do, I have tried to put another dispute into PayPal but it just keeps coming up with the closed status. 

I would appreciate any help you can give me.
Consumer complaint received 2023-11-01
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: U.S. BANCORP (IL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-11
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. (CA)

On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.
Consumer complaint received 2024-11-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I believe the account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

I.C. SYSTEM, INC XXXX
Consumer complaint received 2022-06-29
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. (PA)

On XX/XX/2022, I sent yet another letter ( Certified USPS XXXX ) to Equifax stating my claim. My letter was an answer to the " verified '' account that allegedly was investigated. Equifax stated account XXXX XXXX XXXX XXXX was investigated but how is that even possible when the opening date, last active date, and last reported date are inaccurate? I also add that my name isn't listed correctly. 

Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft. 

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. Finally, I have to know as to how you can " verify '' the accounts below when XXXX has complied with my actual claim by deleting the accounts. I attached the agency 's report as proof that you are not communicating the disputes to all required databases. I want you to know that I realize using a name, birth date, SSN, and address is not a reasonable procedure nor is it fair and impartial as the FCRA states you are required reasonable procedures that are fair and equitable to me as the consumer. 

I've attached proof for the following account : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I will call my lawyer to file lawsuit.
Consumer complaint received 2022-05-02
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. (PA)

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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will for litigation due to the stress you caused me.
Consumer complaint received 2022-11-18
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: Early Warning Services, LLC (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.
Consumer complaint received 2024-10-31
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-31
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)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2022-03-27
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: Credence Resource Management, LLC (FL)

Hello : The company is called Credence Resource Management ( CRM ). There address is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. The account number they are using is XXXX, which they claim was opened on XX/XX/XXXX, with a balance of {$530.00}. 

I have attempted to dispute this false or fraudulent information with CRM on XX/XX/XXXX. I informed CRM that I had no knowledge of this debt. CRM has offered no record to support their fictitious claim and has failed to remove this false and derogatory information from the Credit Bureau. 

I believe CRM is engaging in false information for the purpose of fraud. By making a false and unsubstantiated claim of indebtedness, CRM is attempting to extort payment for profit. CRM is improperly and adversely attempting to diminish my potential credit worthiness for their profit.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.
Consumer complaint received 2021-11-21
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)

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXXl law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report