davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (LA)

I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (NJ)

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// DUVERA BILLING SERVICES , LLC is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// DUVERA BILLING SERVICES , LLC violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// DUVERA BILLING SERVICES , LLC violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// DUVERA BILLING SERVICES , LLC reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and DUVERA BILLING SERVICES , LLC ./// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to DUVERA BILLING SERVICES , LLC non-compliance and violation of the FCRA /////I DEMAND the complete removal of the DUVERA BILLING SERVICES , LLC account including and not limited to any NEGATIVE REMARKS furnished by DUVERA BILLING SERVICES , LLC /// NOTICE IS GIVEN : In the event DUVERA BILLING SERVICES , LLC failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Consumer complaint received 2022-08-05
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 Name : XXXXXXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # 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 2023-03-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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. (FL)

I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I've recently been disputing my credit report and have noticed things that haven't been removed and also a bunch of discrepancies. Pursuant to 15 USC 1681a ( 1 ) Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There are 62 inaccurate remarks throughout my report. Furthermore, TransUnion is in violation of my privacy and consent. Pursuant to 15 USC 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. 15 USC 1681b ( 2 ) states 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. My written consent was NEVER given.
Consumer complaint received 2024-10-31
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. (MN)

It has come to my attention multiple Inquires were made without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 I have contacted both XXXX and Banks and have reach no resolution.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING, for committing identity theft. I have never given MIDLAND FUNDING, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with MIDLAND FUNDING and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND FUNDING any right to collect on this alleged debt. 
I have never received any documentation requesting validation from MIDLAND FUNDING, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (OH)

I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit
Consumer complaint received 2022-08-05
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. (IA)

I was one of the millions Who Equifax was sending false scores & reports. Meaning Equifax did not exercise their grave responsibilities.. Equifax was unfair, was impartial, And did not respect my rights to privacy! 15 usc 1681 A ( 4 ).

Equifax never had permissible purposes, I never instructed Equifax to furnish these accounts. I never consent to these accounts in the first place. 15 usc 1681 b ( 2 ) with the accounts listed below XXXX  XXXX XXXX account number XXXX balance XXXX XXXX  XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have sent my FTC report as well as proof of my identity.

Failure To Reinvestigate inaccurate information can result in credit reporting agencies being sue under 15 usc 1681 s ( 2 ) ( b )
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022, XXXX fraudulent ACH transactions occurred on my checking acct. One for {$9900.00} to XXXX XXXX and one for {$8800.00} to XXXX Credit Card. Each time the fraud was done by creating a bill pay recipient and then making an ACH payment out of our checking account. The same thing happened in XXXX for {$9900.00} and {$9800.00} ( these have been returned ). 

USAA failed to notify us that a new bill pay was created and also failed to notify me that my password had been changed on XX/XX/2022. I use the USAA app and was able to log in with a pin ( USAA site says this is more secure ) .However, I logged in for over a month without knowing my password had been changed. This is a flaw in USAA cybersecurity. This was done because evidently my husband is the primary account holder and we use is his login and USAA number. The fraud was done on my USAA member number/account that I had when I was on XXXX XXXX and do not use. 

USAA says that notifications were sent about password change and new bill creations, but no notifications are in their system inbox on our account and no email was received. We only found out last week that my password had been changed on XX/XX/2022. 

This same scenario took place in XXXX and we were never told that my account had been taken over. Instead, USAA only did a check on my husbands account. They offered no guidance in changing our passwords or further securing our account. During this time, USAA had filed the fraud as a debit card dispute which further delayed us getting our money returned.

USAA is taking too long to return stolen funds. We notified USAA immediately on XX/XX/2022. We have talked to numerous fraud dept reps and to XXXX in the CEO office. We were told it is supposed to be handled in three days but that the fraud department is backed up and has been taking longer. It has been over three weeks and USAA has failed to return our funds.
Consumer complaint received 2022-08-05
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. (IL)

I was alerted that my credit score had a delinquent account. On XX/XX/XXXX, XXXX XXXX reported my credit as being delinquent with a last payment of XX/XX/XXXX. This information is incorrect. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on or around XX/XX/XXXX and it was debited from my account on XX/XX/XXXX. In my XXXX account portal my next payment is not due until XX/XX/XXXX but the company has reported me late inaccurately. This is the second time I have had this problem with XXXX XXXX incorrectly reporting my credit information and refusing to correct it.
Consumer complaint received 2022-08-05
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. (MD)

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I went to the Chase branch located on XXXX XXXX XXXX in XXXX. I deposited {$1100.00} at the XXXX ATM ( there are 2, I used the one on the right. When the transaction was complete, the ATM reported I had deposited {$1000.00}. I checked my surroundings, the floor, the rest on the ATM, and my wallet to confirm I hadnt stashed the {$100.00}. I was unable to locate the money.

I immediately went to the teller who said there was nothing she could do and that I should call XXXX to submit a claim. She provided me the ATMs ID, XXXX 

I initiated the claim when I got home, they deposited {$100.00} in my account while they investigated, and I was told it could take up to 3 months for a resolution. 

On XXXX XXXX I received an email informing me of a letter that has posted to my account. It was an update to my claim stating they found no discrepancies in their investigation, hence theyd be withdrawing {$100.00} from my account after XXXX XXXX.

I called the claims department again to dispute the finds. The advisor who first answered my call stated there was nothing he could do since he had no access to the backend team that actually investigates the claim. He said all I could do was go to the bank and ask the teller for video proof to support my argument. I told him that didnt make sense, why should I have to be inconvenienced again? How wasnt that Chase was unable to obtain that information with me having to go and personally request it from the branch. The advisor became combative and tried to speak over me, then he said he wouldnt be able to assist me if I didnt let him speak. I highlighted that it was him who began speaking while I was still trying to relay my message. Seeing as how there was nothing he could do nor did he seem interested in helping me, I asked to speak to a superior or their customer relations department.

After a short wait, I was connected with his supervisor. She never identified herself, but listened to my retelling of the events and placed me on hold to review the notes in my case. She stated that theyd sent a technician, she didnt specify when, and that they didnt find anything wrong with the machine nor did they find a discrepancy in the funds to support my claim hence theyd not credit me the disputed amount. 

The supervisor said that I should get the receipt or see if the teller could support my claim. I explained that I received an e-receipt but that was for {$1000.00}, not the full deposit of the {$1100.00}, and that a teller had not assisted me so they couldnt speak towards the event. 

I deposited {$1100.00} because I had to make a payment for {$1100.00} to my XXXX XXXX XXXX. I did not walk to the bank, hence it isnt a possibility that I dropped the money. Id been driven to the front of the bank and I counted the money in the car before stepping out. I deposited {$1100.00} but chase is disputing this.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}