davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX EQUIFAX : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law 1. XXXX XXXX - Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX 3. XXXX XXXX - Account Number XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX XXXX - XXXX 11. XXXX - XXXX 12. XXXX - XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX - XXXX INQUIRES 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Co - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}
Consumer complaint received 2024-01-27
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Request for accurate documentation provided that this debt is currently mine. 

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.
Consumer complaint received 2024-01-22
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Please find the attachment below proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CCF Intermediate Holdings LLC (ID)

Applied for a loan through speedy cash they over drafted my account by XXXX dollars. I have number they were using XXXX. XXXX XXXX said his name was XXXX XXXX are both numbers he used. 

XXXX. 


XXXX is a account number of his to a XXXX XXXX link
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY XXXX XXXX XXXX  WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX XXXX WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX XXXX XXXX XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX XXXX  THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX XXXX  : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX XXXX Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX XXXX  Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX XXXX 90 DAYS LATE ON XXXX XXXX 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to follow up on my previous correspondence dated [ date ], in which I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently became aware that unauthorized fraudulent accounts, addresses and inquiries have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2024-01-26
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 dispute certain inaccurate information that is currently reported on my credit file. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), it is mandated that credit bureaus confirm the accuracy of the information they report within the legally allowed time range. The following accounts on my credit report are inaccurately reported, and I request an immediate investigation and correction of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a XXXX XXXX XXXXXXXX and there are items on my TransUnion credit report that are the result of XXXX I can not log onto TransUnion website to properly identify all of the items because Transunion is blocking me from seeing the information that they're reporting on me. I have not been able to log onto TransUnion website in the last two years. I keep calling them with nothing resolved. I have had it escalated at least 5 times without anything being resolved. I can not upload my XXXX XXXX documentation on their website either because they are blocking me access.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I have a Venmo account, which I rarely use. A friend paid my wife for a XXXX XXXX using my Venmo account. I have attempted numerous times to transfer that money into my bank account ( via my bank debit card ), and every time I get the message " Sorry, this transfer can not be processed.. '' Upon further playing around with the online portal for the account, the message " Your account has been frozen '' appeared. 

They don't have way of contacting them directly. If you try their " web chat '' you get thrown into a limitless loop. The only instructions I was given was to answer an email, but I've never received an email from them. 

We're not talking about an enormous amount of money here. Only {$19.00}, buy it's the principle of the thing. I am entitled to that money. My name is on the account. That money belongs to my wife.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called about a suspicious phone number ( XXXX ) registered on my Premiere Checking account without the ability to change the number myself. It was removed that day. 

On XX/XX/XXXX, I checked my account again to only find this same number listed on my Premiere Checking Account for contact without any ability to change it myself. During a call, I was locked out of my account while logged in online and on the Chase App. After XXXX hours, a representative was able to correct the issue by registering my phone number my account. 

On XX/XX/XXXX, I opened the Chase App to learned that my account was locked due to suspicious activity again. I called and was told that only the Security Team can unlock my account.

It is my firm belief that employees of Chase, via domestic and international, are locking my account and intentionally not sending any account alerts to the phone number registered to my account as provided. This is not the first time I have had the experience of Chase employees changing information on my account and deliberately causing me inconvenience. During a period of XXXX years while litigating a matter in federal court, Chase employees closed my account which contained payment history necessary to assert my claim. Once the matter ended, my account was reopened and is the current account in controversial now.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

I had my bank account garnished 3 times adding up to over {$900.00}. Prior to receiving any information in regard to this debt. I called XXXX XXXX after I received my first notice of the debt.

In violation of the Fair Debt Collection Act -I was not given details on the debt Enclosure documents - no address or Name of original creditor was not given -no instructions on to pay the debt -no record on when the debt was incurred -no proof account was sold Attorney/ staff informed me they didnt have to send me any paperwork because they sent it to the bank Im violation of Consumer Credit Protection Act Title lll My account was garnished to XXXX $ when this act states it should not take all my money to ensure basic living expenses are available bank statement In addition Michigan statute of limitations on collecting debts is 6 years I was told this debt is XXXX  years old and it hasnt been kept active Over XXXX years the last date is from XX/XX/2006 for action on this debt. My address is incorrect my name is spelled incorrectly. When speaking with the collector I told them this was not my bill. The last and first date I was incarcerated XX/XX/XXXX, XXXX practices are in violation of the FDCPA 15 USC 1692 et seq unfair and abusive practices.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

I paid XXXX or XXXX bank for a debt that I owed. A few weeks later a collections agency, called LVNV Funding, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXX and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

I am writing to bring to your attention the serious infractions committed by Advanced Resolution Services , Inc. regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that Advanced Resolution Services , Inc. is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, Advanced Resolution Services , Inc. is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 XXXX XXXX  Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance