davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-31
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (HI)

This is the work from home scam. First, I received a text message on XX/XX/22 regarding a job opportunity as a language and Cultural Specialist. After chat through XXXX - XXXX XXXX, for some questions, they sent an email with a job contract which I signed back. On XX/XX/22, they sent a check attached on email and asked me to print it out and deposit to my bank account. 
That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After confirming the check was in, on XX/XX/22, they instructed to send two payments, {$900.00} each to XXXX using transfer platform XXXX. After I made the transactions on the same day, I accepted my bank to process the payments and the payments have gone through after I realized this is a scam. Per my google research, the check is fake and will be returned to sender. In next 10 days or so, if the check is not legit and returned I literally will loose {$1800.00}. My bank said they can't recover my money sent via XXXX because I have accepted these transactions and nothing can do for the check. The scam company contacted me first on text messaging and asked me to install XXXX XXXX XXXX XXXX app and contacted with rest of the conversation through it. Not single phone conversation was made. There are XXXX people I was contacting with : XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXX Sales Services XXXX XXXX The money I sent through XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

Credit Card Account shows two balance transfers. Only one was requested and paid to receiving bank. Five weeks of trying to correct the Credit Card Bank error. No results. Problem described as an IT error. 

Credit Card Bank error has created negative credit reports. 

Disputes filed with credit reporting does not solve the problem. 
Customer service useless
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Position One Group (TX)

I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX  ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.

I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.

One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX   XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.

I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.

XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.

All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.

In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.

I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.

The issue I have is with XXXX XXXXXXXX XXXX  and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JSZ Financial Co., Inc. (TX)

JSZ Financial CO XX/XX/2015 balance showing on credit report : {$2900.00} This is NOT a valid account. I have reached out to this company with no resolution. The original debtor does not exist any longer as a property manager, and can not contact after many different attempts even looking them up via social media streams. I have attempted multiple times to have this company send me written proof of this debt and they can not provide.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00}
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (GA)

We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~XXXX~
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : Capital One XX/XX/2018 XX/XX/XXXX. 2018
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/22 I got a notification on credit karma that credit card with XXXX ( formerly XXXX ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called XXXX, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited XXXX more minutes and was transferred 2 more times ( was on the phone XXXX hours & XXXX minutes total ) I was transfer to visa credit card dept but was told they can not help and I was transferred to XXXX XXXX, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (NC)

I have reached out to Lending Club via certified letter to rectify errors and discrepancies being reported on my personal credit report that Lending Club is reporting. On XX/XX/XXXX, a letter certified letter was sent to Lending Club formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from Lending Club, however as when I pulled my personal credit, on the 31st day from when Lending Club received my certified letter. The company failed to and DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. Lending Club is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified Lending Club of this federal law violation in XX/XX/XXXX. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as  a goodwill gesture to allow Lending Club to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, Lending Club MUST NOW remove the items. I remind you again that this is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I have sent letters which are included as attachments. The actions that Lending Club must do now is remove these negative items on my credit report from all the credit reporting agencies including but not limited to ( XXXX, XXXX, XXXX, and XXXX ). This is the action that the company must do since Lending Club has violated federal law. I remind you that I have yet to receive a response from the company to validate the information they are reporting as they are required to by Federal Law.
Consumer complaint received 2018-04-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (SC)

I had to withdraw from the XXXX because it was a bad storm at the time and couldn't turn my work in because all of the power been off and then I been passing all my classes so I wouldn't just up and quit for nthing and i really had wanted to finish I called and had to leave my name to another advisor because at the time I couldn't get in touch with mines and this account is holding me and my family back from purchasing an house they're charging me XXXX for nothing
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

staHello. I moved end of XX/XX/XXXX from XXXX XXXX, Florida to XXXX, XXXX. I rarely write checks from my checking account. Maybe one or two a year. In XX/XX/XXXX had written a check to a mover company. That may have been the only check I had written in XX/XX/XXXX. I have been with citibank for 18 years. After 18 years, they should have known my banking habit. Citi encourages the consumer to do online banking, They also encourage people to uses paperless bank statements. They are suppose to email every month reminding the consumer that their bank statement was ready to be reviewed for each month. I do not remember receiving any email from citibank ever. Being extremely busy with my move I am not sure if I checked my account statements. XX/XX/XXXX, i saw someone had taken money out of my account. Called Citibank right away, Talking to a fraud department we have realized they have been pilfering money from my account every month. Almost 10K. All of this was happening ensuing months after my move. They started pilfering money as of XX/XX/XXXX. The only people knew about my move was this movers company. Citi reimbursed me for {$6700.00}, They are refusing to pay the rest, {$3200.00}. Their reasoning is I failed to inform them about the irregularities within 30 days. They do not mention that Citi has failed to protect my account. I trusted them my money. They should have noticed the irregularities happening to my account. Also, they never emailed me reminding me my monthly bank statement was ready to be reviewed. They have abdicated their responsibilities. I trusted them my bank account. Apparently, they can not protect accounts. They should have noticed some thiefs were robbing me. If I had not noticed it, these thief have probably stole more money. I am a XXXX years old man. Often times it is very complicated to download paperless statements online. Please help me. Thank you.
Consumer complaint received 2018-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (SC)

I have tried to dispute this unverified account with National Credit Systems. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Consumer complaint received 2018-04-04
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. (LA)

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Consumer complaint received 2022-07-29
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. (NC)

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2022-07-31
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. (AR)

I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information