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. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **** Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2024-09-06
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. (TX)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, the company stated I had no change in my accounts, however, my credit score went up over XXXX points in the last XXXX  days from XXXX to XXXX at this company. If there have been no changes to my account, my credit score should be the same. However, when I made my first complaint this credit increase occurred. Was this an omission of guilt on biased practices or discrimination policies by correcting my Credit Score. I'm expecting my credit score to stay the same or higher... If my score goes down, you will be here from my legal team. 
Also, I didn't receive any ( not one ) of the correspondence that I requested in the last complaint. 

All of this is grounds for removal by law. 


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 15 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

In XXXX  2023 I requested the temporary deactivation of my XXXXXXXX XXXX 

On XX/XX/XXXX I asked in XXXX support chat for my XXXX XXXX  to be reactivated. 

After I reactivate my XXXX, my Apple Card can not be added to XXXX XXXX on any of my XXXX devices : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX Account Balance also can not be added to XXXX XXXX However, my wife is a co-owner and has full access to the card and everything works fine on her XXXX. 

Initially I asked XXXX support for help. I went through XXXX XXXX agents who assured me that the problem was not on their side and transferred me to a Goldman Sachs agent. The latter asked the responsible team for 10 days to resolve my problem. 

No resolution has been made so far. 

I ask that all contact with me be made via email. 
I don't speak XXXX well enough for a phone call. 

my appleid XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

These companies have unlawfully provided my information
without obtaining my written consent, as explicitly required by 15
USC 1681B of the FCRA. It is imperative that you understand that I
do not consent to the unauthorized furnishing of any of my
information by any means, as delineated by my rights under the
FCRA. The accounts are listed below:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Furthermore, in light of the provisions stated in 15 USC 1692a(2) of
the FDCPA, it is evident that the transmission of information
regarding a debt, directly or indirectly, through any communication
medium constitutes a "Communication." As per the literal
interpretation of "any medium," this encompasses various forms of
communication, be it oral, written, electronic, or others. Therefore,
the act of furnishing my consumer report, which contains
information about the alleged debt, constitutes a "Communication"
under the FDCPA. In accordance with my rights outlined in 15 USC
1692c(c) of the FDCPA, I hereby provide you with formal notice to
immediately cease all further communication pertaining to these
accounts. This includes, but is not limited to, any form of contact
such as telephone calls, emails, social media interactions, or any
communication made through a Consumer Reporting Agency. Please
be advised that any continued contact or communication from your
company or its agents, except for a communication acknowledging
receipt of this letter, will be viewed as a violation of the FDCPA. It is
crucial that you take this notice seriously, as I am fully prepared to
exercise my rights under the law. Failure to respect this cease-anddesist notice will leave me no choice but to pursue legal action
against your company. Please understand that in any ensuing legal
proceedings, I will seek all available remedies and potentially claim
damages allowed. 
XXXX XXXX XXXX XXXX XXXX has violated the Billing Error and Practice Act in pursuant to 15 USC 1666. They never gave me the right to opt-out and are not reporting accurately. I want these accounts updated to paid as agreed and never late.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (GA)

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-10
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I was working diligently with Carrrington on a loan modification I submitted all required documents, but I received an email from Carrington employee XXXX XXXX stating my modification was canceled and my home is scheduled for foreclosure sale on XX/XX/24. To this date I have NOT received any official notification of the sale. Also I was not given and indication that they were even considering foreclosure Again, I submitted all requested documents.
Consumer complaint received 2024-01-21
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. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an unauthorized collection account that has been placed on my credit report without my written consent, which is in violation of the provisions outlined in 15 USC 1692e of the Fair Debt Collection Practices Act.

I discovered that a collection account, was placed on my credit report.

Upon further investigation, I learned that this collection account was placed by LVNV without my written consent, which is a clear violation of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692e.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the unauthorized collection account is promptly removed from my credit report. Additionally, I seek the full protection and remedies afforded to me under the Fair Debt Collection Practices Act. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely,
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NV)

Hunter Warfield Collection Agency texted me on XX/XX/XXXX, and emailed me XX/XX/XXXX. These were the first and only communications received from this Collection Agency, yet none of the information that they presented me with itemized any charges nor did it state the fact that I have the right to dispute the charges within 30 days. I would like to exercise my right to dispute, and I would also like to impose a fine against this Collection Agency for failure to act within the requirements of the associated regulations.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across XXXX, XXXX, and TRANSUNION. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXX. 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the three agencies are all reporting different information. 

The accounts are as follows : XXXX  The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the 3 bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all 3 agencies immediately. 

Another account is listed on XXXX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from XXXX immediately. 

There is an inquiry listed on TRANSUNION, XXXX, and XXXX inquiries listed on my report with the date of XX/XX/XXXX. I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.
Consumer complaint received 2024-01-21
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)

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. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I started this issue with the XXXX  back in XX/XX/XXXXXXXX  and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXXXXXX  they changed it to XX/XX/XXXX. 

I have three weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX  XXXX was filed in XX/XX/XXXX, and discharged in XX/XX/XXXXXXXX  if the card was not open in XXXX  it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXXXXXX  this is all XXXX XXXX error. 

Attached is a new Equifax report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was selling furniture on XXXX XXXX, XX/XX/scrub>XX/XX/2024, when I thought this person was buying the furniture. He sent me an electronic check on XX/XX/2024 to my personal email ( which I did give him ) for {$1600.00}, then I used my Chase bank app to deposit the check that same night. The check was cleared by my bank on XX/XX/2024, so I thought the transaction was legitimate. So he asked me to pay for the movers for him, since he had given me more money than I was selling the furniture for, which was {$1100.00}. He gave me the moving companys information to send the payment using XXXX. After investigating the check, it was a fraudulent check after all. I called Chase bank immediately to inform them. I had asked about my XXXX transaction to the moving company, the company does not exist. My bank does not help with fraudulent XXXX transactions, so Im at a loss for {$500.00}. The bank is also threatening to close or restrict my bank account. I have been with Chase bank over 15 years, and have multiple accounts. Ive never come across this before, and of course have Never knowingly tried to deposit a fraudulent check. That is why I called the bank the very same day it was cleared to inform them of the situation. Of course, the fraudulent amount of {$1600.00} has been deducted from my account, and so has the scam XXXX transaction of {$500.00}. The response from the Chase representative, the fraud claims department will investigate, if it is a fraudulent check, the amount will be deducted. You will also be reprimanded for this action. Your account will be restricted OR closed immediately. You will receive a letter informing you of their decision. We do not assist with fraudulent XXXX transactions. We can not refund or reimburse you for the money. Once the transaction is received by the other party, there is nothing we can do to further assist you. Yes, I did report this profile to XXXX about the scam. 
Is there anyone that can help me, please?!
Consumer complaint received 2024-01-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

My billing was set at {$110.00} per month, and whenever I called to terminate the account the XXXX transferred me to their Retention Dept. We would come to agreement to keep the billing at {$110.00} per month ( see statements attached ). However, in XX/XX/2022 billing the amount due was {$200.00} ( see statement ) I called and again they transferred me to Retention and promised to set back to {$110.00}. This time I told Retention I wanted to terminate services I could not waste time calling every six months. I requested return authorization of equipment and sent back ALL equipment by XXXX ( see attached ) See XX/XX/XXXX statement for the final payment I made {$130.00} however they were charging my account far above the amount Retention  and I had agreed. XXXX or Sunrise needs to review the calls made with XXXX Retention ' and STOP making verbal agreements to reduce the billing just to keep customers - false statements were made by Retention Dept . and the Retention Dept never made the adjustments to the account once I told them I was going to terminate.