davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (TN)

This complaint reference Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to XXXX. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This SSA Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Basis for dispute : **Inaccuracy of information. The Account information reported is incorrect. 
Account Name : XXXX XXXX /Account Number : XXXX Account Number : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX, Date Opened : XXXX shows XX/XX/XXXX and XXXX and Equifax show XX/XX/XXXX, Closed date : Only reported for XXXX, Last Payment : Equifax shows XX/XX/XXXX while XXXX and Equifax show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2022-04-14
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)

15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through XXXX and Equifax that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.
Consumer complaint received 2022-04-14
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. (MI)

In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

Iq Data International has been reporting a collection on my account in the amount of {$7600.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. This is a fraudalent account. I know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2022-06-25
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. (OH)

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I, a XXXX person have a Federal loan for my family 's home. In my loan contract with the Federal Gov. it does declare any violation of the FHA, which also includes discrimination, does allow for legal recourse done on my behalf against any party that violates my rights. Mr Cooper has been sent notices about previous discrimination and interference with contractual relationship and interfering with my payments. Currently Mr Cooper has discriminated against me by using my XXXX against me to treat me less favorably and where they sent money back I over paid and the way they sent it inhibits my access to that money and they are declaring how they may take my federal XXXX income and then show I overpaid on my escrow though are still allowed to inhibit my access to that money they sent and are refusing to fix the matter and continue to allow their employees to discriminate against me instead.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. 
After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. 
I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find one.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

In XXXX of XXXX I returned my car that I leased through XXXX XXXX XXXX/Toyota Financial. It was a 3 year lease that I enjoyed all aspects of, for the most part. I leased a XXXX XXXX XXXX that had two key fobs with the car. I returned the car to the dealership with 1 key on a day in XXXX. A few days later ( within the week ) I returned the 2nd key to the same dealership. The dealership did not provide a receipt for the 2nd key that was returned. I paid the balance that I owed for the lease end charges in total as soon as the bill was sent to me. I did not pay for the missing key charge as I thought there may have been an admin timing issue with the key. So I left with a balance thinking it would be cleared when the key was accounted for. I did not hear from Toyota Financial Services until many months after I paid the balance. They contacted me recently over the phone about a charge outstanding on my account for a key fob. I believed this was all resolved back in XXXX of XXXX when I paid the balance and months after I returned the 2nd key. 

1 ) They call me daily about collecting this fee.

2 ) They ask me to reach out to the dealership to clear this up. They work with the dealer, and I have reached out to the dealer on multiple occasions with no response or answer on the phone.

3 ) They call my elderly father about this as well and threaten to send him to collections. 4 ) When I XXXX the price of this key fob it is as low as {$8.00}, they are charging me over {$100.00}. 
5 ) The dealership did not provide me a receipt and Toyota financial did not reach out to me until many months after the payment and key return.

6 ) They only call me by ( 800 ) number and do not leave a voice message regarding the crux of the issue.

7 ) When I do answer it takes a minute for the caller to be actually connected to me.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card closed my account without notice. They closed the account due to inactivity. They did not send any correspondence to notify me that they intended to close my account, to give me an opportunity to keep the account. They just closed the account, without letting me know until after the fact. This has adversely affected my consumer reporting score. I called the Capital One Credit Card customer service to reopen the card and they informed me that they were unable. I asked to talk to a supervisor and they told me that they were unable. I asked to lodge a complaint and they told me they were unable. Capital One Credit Card has adversely affected my credit score and it was not my fault.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (TX)

On XX/XX/2022 I contacted Equifax information XXXX, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
EQUIFAX AND XXXX AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights Equifax is Reporting a Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the fraudulent inquiries Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO EQUIFAX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS XXXX DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NY)

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. 

I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXX BANK ( XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed XXXX violations. The account with XXXX  XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX  doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXXXXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
Consumer complaint received 2022-06-25
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. (NY)

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # : XXXX Account Name : XXXXXXXX XXXX  Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WA)

I bought this prepaid card at XXXX XXXX it's a NetSpend all access prepaid card I loaded {$500.00} on it went to activated it would not activate I called NetSpend they told me that they were going to use it to pay off a fraudulent account charge that was unauthorized and not mine they proceeded to not activate it they were very rude and then they took almost {$200.00} off of it and supposedly said they sent me a check for the remainder and I would band from NetSpend and could no longer use their services
Consumer complaint received 2021-12-21
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: CBC Companies, Inc. (NJ)

To whom it concerns, I have sent out multiple dispute letters in regards to a fraudulent unauthorized Hard inquiries found on my credit report. According to the FCRA I have the right to have that removed. I have sent letters over the last year trying to get this matter resolved. 
Account : Factual Data inquiry date XX/XX/XXXX reporting to XXXX. The last dispute letter was sent out on XX/XX/XXXX. A copy of the dispute letter is attached.
Consumer complaint received 2022-03-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

XXXX are charging me a FOREVER fee of {$8.00} and {$50.00} for a phone I already cancelled and paid for it. Because there is a forever fee I can not cancel my account. XXXX employees send me to XXXX and XXXX send me to XXXX. I think this forever fee is illegal.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Syncrony bank charge me a late charge, I did not know the late charge was assessed. They then posted the next payment I made to the late charge and my account was determined to be late. I requested the late charge to be waived but now it's showing 30 days ( 32 days to be exact ) past due. Syncrony posted my money incorrectly to the account and caused this delinquency and this needs to be fixed. I called the credit card company and got hung up on and then tried chatting with someone online and the system didn't let me type. I can't get a hold of these people either to resolve the issue.