davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX : XXXX - XXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX  ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX EQUIFAX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX  XXXXXXXX XXXX  XX/XX/XXXX 2023
Consumer complaint received 2023-07-17
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. (AZ)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (IL)

The company violated my rights according to the following : 15 USC 1681 section 602 states that I have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account without my permission 15 USC 1666b : a creditor may not treat or report a payment on a credit account as late for any purpose
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I borrowed money for dental work and set up monthly payments in the amounts so. Entire charge would be paid off in 10 months so I wouldnt pay any interest.every month they would add a late charge When I called they said they didnt receive the payment till after due date so I changed auto pay to a few days earlier, same thing the next month..so. From XXXX of XXXX  till XXXX of XXXX, I kept getting late charges.. I paid off entire charge and they still. Are trying to collect {$110.00}. When I spoke to them today they were willing to take off {$41.00} but I asked for the full amount and want credit card closed.. 
My bank checks. Show they were always sent out way before due date ans arrival date yet they were never cashed till after due date.. due date was XXXX of month Below is day sentday paid..day recorded by credit card company XX/XX/XXXX initial deposit {$500.00} XXXX {$1000.00} XXXX {$1200.00} XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXXthey were quick on this one XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXX.another quick one XXXX {$1000.00} XXXX {$1800.00}. final payment paid in full. 

I believe this company purposely deposits checks so they can charge the customer a late fee. They dont like people paying off their credit cards because then they dont get the outrageous interest they charge.
Consumer complaint received 2023-07-17
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. (MN)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both XXXX and Equifax regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (MD)

I sent XXXX Credit Bureau letters to dispute XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.
Consumer complaint received 2023-07-17
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. (NY)

Inaccurate information on credit reports. I submitted a complaint letter to XXXX, Equifax, and XXXX by certified mail on XX/XX/XXXX. Here are the USPS tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?
Consumer complaint received 2024-02-06
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. (MN)

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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX 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.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (HI)

I deposited a cash deposit of {$300.00} to payoff another account and the bank split my deposit into 2 amounts and {$75.00} and {$170.00}. I dont have any pending payments out. This is not okay as it will cause me to get more financial charges. Cash deposits are just that cash and should be available right away. This hold makes no sense except to make extra fees. I called spoke to XXXX and a bank XXXX which was a waste of time as they both asked for a receipt which I declined as I dont need the extra paper. Obviously if I am calling to complain this is not a legitimate hold I am complaining of illegal holding of funds they claim to have a payment not made since XX/XX/XXXX and this whole time I had {$22000.00} in my account to cover all expenses since XX/XX/12. They wait till now with my cash deposit of {$300.00} a month later to try and cover it. No this does not sound right a receipt should not be required since I was verified and obviously the one who made to deposit.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

2 months ago I had my card stolen and reported it, and when XXXX tried to activate a virtual card for my digi wallet he froze my acount for 3 days, 3 days I did not eat, so i told them to close mky acount, didnt happen, ..Last week I called wells fargo, XX/XX/2023 XXXX told them to close my account as soon as the balance was XXXX to not honor auto pays because im tired of all the XXXX dollar over drafts that they strategicly slip in there, they have not done so, just got another overdraft, please help,
Consumer complaint received 2023-11-05
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (GA)

Dispute letters were sent to the following companies on XX/XX/2023 XXXX, Experian, and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (IL)

To Whom It May Concern : EdFinancial Services has inaccurately reported account balances to the three leading credit bureaus. During a recent call, I was informed that they have communicated to the bureaus ; however, the updated reporting was " only '' reported to XXXX, and if an appeal for updating is needed, I was instructed to open an inquiry with the three bureaus. This is unacceptable and violates the FCRA rules. EdFinancial should be able to communicate via API ( immediately ) to ensure credit reporting is accurate, as this impacts borrowing decisions. EdFinancial Services must provide precise reporting to ALL credit bureaus for my account today! 

Lastly, in conversation, I was instructed to find alternative avenues to correct the reporting. Unacceptable!
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

Dear XXXX XXXX XXXX  XXXX XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SYNCHRONY BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
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)

XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over XXXX points due to XXXX ' inaccurate reporting.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (FL)

Affirm XXXX will not let me close my account, I have called them several time to close my NO balance account and they refuse to do so, putting me on extended hold sessions, tell me there are technical difficulties.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello im a victim of the equifax data breach and all of my three bureaus credut information is tainted and tamper with. Equifax did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. XXXX and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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.

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 inructions 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 2023-07-17
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. (GA)

I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (CA)

Mandarich Law Group LLP, XXXX Mandarich- XXXX license # XXXX. Claims to be an Attorney, Company is a XXXX party Debt buyer registered in XXXX. Fraudulently, claims he represents XXXX party XXXX another debt collector from XXXX XXXX, then files a XXXX  against XXXX  in XXXX  without proof of claim. I never gave permission for Mandarich to contact me at XXXX FDCPA XXXX ( a ) violation. XXXX XXXX is not the original creditor for his law claim FDCPA XXXX ( b ) communication with 3rd parties. Filed a Lawsuit without proof of claim FDCPA XXXX ( d ) Harassment and Abuse. My XXXX dies of XXXX XXXX in the midst of the XXXX companies above harassing me, defaming me and extorting me. I asked for The ORIGINAL CONTRACT of the debt between the alleged original creditor XXXX XXXX XXXX- Not received. There is No agreement between myself and Mandarich LAW Group NOR XXXX XXXX XXXX ( e ) False- Misleading Representation. Alleged XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked for XXXX. I asked for Debt Validation and True Bill of accounting, Mandarich filed for a default judgment now XXXX in retaliation ( another violation FDCPA XXXX ( XXXX ) False and Misleading Representation, XXXX ( g ) Failed to Validate Amount of Debt ) CFPB please shut this company DOWN both Mandarich Law Group and UGH XXXX XXXX and fine them to the fullest extent lawfully possible. Filing a frivolous lawsuit for personal gain and UNJUST ENRICHMENT is another FDCPA XXXX ( I ) Venue is improper based on fraud- valid contract between myself and your client not submitted as requested on XX/XX/year>. FDCPA XXXX ( j ) violation Furnishing Certain Deceptive Forms- Mandarich Law GroupXXXX XXXX on behalf of UGH XXXX sues on behalf of Cash Net XXXX XXXX XXXX without Proof of Claim? I beg the CFPB to do the right thing for consumers like myself. I have placed copies of the lawsuit in part for validation of my reporting.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I deposited a mobile check using the Wells Fargo app for the amount of {$1400.00}. I then on XX/XX/2023, in error, accidentally deposited it at XXXX. XXXX. I get I messed that up and that's my fault. The double deposit cause XXXX. XXXX  to not cash the check and it was never credited to my XXXX XXXX account. Wells Fargo also pulled the funds and opened an investigation case # XXXX. After several days they indicated that they had the funds and would return the funds to the originating account and that I should reach out to the issuer. The issuer is my employer, XXXX XXXX XXXX and they are also a Wells Fargo client XXXX They have confirmed that Wells Fargo has not returned the funds to their account. 

I have called Wells Fargo several times and have gone in person several times to my local branch. My local banker, XXXX XXXX XXXX, has confirmed that XXXX has not had the funds returned, and had to spend several hours on the phone trying to get help. She was unable to and just went in circles with their phone help desk. The bank XXXX, XXXX XXXX XXXX, became frustrated with the telephone support and suggested they, the XXXX employee, file an escalated complaint. They did this on XX/XX/XXXX and I have not gotten anywhere. Compliant ID is XXXX. 

I am looking for help in some shape or form to get the money returned to my employer or to have it deposited back in my account. It's not a small amount of money and it's impacting my financially. I don't know what else to do. Any help or support is greatly appreciated.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AZ)

I received credit alert from XXXX XXXX, that my score dropped XXXX points. this firm submitted a fraudulent account tied to my name, but to an address in Michigan. I've never lived in Michigan, have never heard anything in regards to this account, nor have i ever spoken or been contacted by these people. upon speaking to XXXX, they stated is was an XXXX XXXX XXXX account. I've never even had an XXXX XXXX XXXX account. 

The reporting party is Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA Upon further review, it appears this is a common practice from this scam of a company that is affecting thousands of consumers.