davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (CA)

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX  acct XXXX XXXX. XXXX XXXX XXXX  # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Consumer complaint received 2022-09-21
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX accounts with high balances of {$4500.00} and {$500.00}, 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.
Consumer complaint received 2022-08-01
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$480.00}
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Im made a XXXX payment using chase online. Goods were never rendered and Chase refuses to return my money. XXXX transaction was for the amount of {$150.00} and another transaction for the amount of {$23.00}.
Consumer complaint received 2022-09-19
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. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-21
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: I.C. System, Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX this year, {$9500.00} disappeared from my Truist business account. Truist Bank fraudulently wired these funds out of my account they NEVER contacted me to verify that this was my transfer. The {$9500.00} simply disappeared without my knowledge and without my consent. I am desperately trying to get my money back! I have spoken to over 20 Truist employees, in-person and in my local bank. I emailed the CEO of Truist who promised he would look into this, but nothing has come of his promise. I visited my local branch with a lawyer who was told that the Truist Legal Department would call him they never did, and I can not continue to afford a lawyer to help me get my money back. ) In spite of all the conversations and emails with Truist employees, I have gotten no answers how this money left my account. The disappearance of my money has had a significant impact on me personally. I work very hard for what I earn, and this fraudulent transfer of my money has painfully impacted me and has also prohibited the growth and progress of my business. 

Would you please help me get to the bottom of this? I am desperately trying to get answers as well as simply get my money back from Truist. 

Thank you for time, attention, and care. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: LEXISNEXIS (OH)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-19
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. XXXX  should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

This dispute should have been resolved within a month but has been still been pending for last two months and Citi bank is trying to resolve it with XXXX XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

I was at home when I got a call from the number on the back of my debit card, it was the same exact number. I assumed it was my bank, Citi Bank. The man on the phone said he worked for the bank and was calling to tell me about fraud purchases that were happening in that moment. He also offered to send me a new debit card, in which he knew my home address. He then asked for my personal banking info and used it to buy things on my account. The bank did send confirmation texts to make sure it was me. The man on the phone told me to say yes to those confirmation texts and assuming that this was the bank I said yes to all of them except the first one. After discovering that this was a scam, I filed a dispute with my bank. My bank claimed they were not able to reimburse me because I had my card in my possession, I gave the man my banking info, and the activity was consistent with my banking activities. The man took {$2000.00} from my account and left me with very little money for school.
Consumer complaint received 2022-09-21
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. (WA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-19
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: ENOVA INTERNATIONAL, INC. (AL)

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC Financial, XXXX FCU, XXXX Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (OH)

Subject : Formal Complaint - Inaccurate Verification of Debt by Equifax For whomever this may concern, I am writing to file a formal complaint against Equifax regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX, XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by Equifax. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that Equifax verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, Equifax has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by Equifax. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I got scammed on XXXX, i wanted to buy a part for my vehicle, i sent the money to the scammer on XX/XX/2022, the amount in total was {$450.00}, the scammer contacted me again today XX/XX/2022 saying they needed additional {$300.00} to send my package because it was on hold and i had to pay an insurance fee before they ship it out, scammer previously said the flate rate was XXXX for shipping. Seeing that it was a scam i called my bank and then XXXX, bank said since i " authorized '' the payment that i wasnt able to get my money back. My issue with this is that a bank is using a very unsafe service provided in the banking app and then not reversing the transaction when its clearly fraud. Not only that the XXXX part of chase didnt help me out. The scammer then blocked me after i posted the warning of his scam in the car group. All i want is my XXXX dollars back, I'm living paycheck to paycheck and the bank did not want to help me out, all they said was I'm sorry have a good day, which is like rubbing salt in the wound. I needed that part to fix my car so i could go to work and explained if anything was possible for it to be reversed since it still shows as pending on my account.
Consumer complaint received 2022-01-19
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: Bridgecrest Acceptance Corporation (TN)

Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an XXXX XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well
Consumer complaint received 2024-10-19
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. (FL)

I am writing to file a formal complaint against [ Credit Reporting Agency ] for failing to address my disputes and continuously sending stall letters despite providing all requested identification and supporting documentation multiple times. 

Details of My Dispute : Identification Provided : In my initial disputes, I included a copy of my driver 's license ( showing my current address ) and my social security card. Despite this, I have received multiple stall letters falsely stating that you have not received the necessary documentation. Once again, I am resending this information, including : Driver 's license ( with current address ) A utility bill ( with my current address ) Social security card This information was included in a certified letter ( Receipt number : XXXX XXXX XXXX XXXX XXXX ), along with the original correspondences, yet the stall letters continue. 

Accounts in Dispute : Account Name : XXXXXXXX XXXX Account Number : XXXX Dispute : The payment history from XX/XX/XXXX to XX/XX/XXXX is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Dispute : The date of last activity is incorrect. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Under the FDCPA, 15 U.S.C. 1692g ( b ), I have requested verification, validation, and the original creditors name and address. This collection agency has failed to provide the required validation and continues to report this negative entry on my credit report without appropriate verification. 

I have repeatedly disputed these inaccuracies, but [ Credit Reporting Agency ] has failed to correct the errors or provide proper investigation into these matters.

Resolution Requested : I request that you correct or delete the inaccurate information on my credit report as listed above, and provide me with an updated credit report reflecting these changes.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (NY)

There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.