davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies 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 a account without my written instructions. 
are listed on credit report.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
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)

Fraudulent inquires are reporting on my credit report on Equifax, XXXX, and XXXX from the companies listed below along with the inquire dates. These fraudulent inquires are damaging my personal credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES  XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TN)

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (MI)

XXXX XXXX XXXX XXXX of birth XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX acct # XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861. 

Dispute XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

Hello, On Sunday XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on Saturday XX/XX/23 in XXXX, MN. An unknown individual ( XXXX ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. 

On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

On XX/XX/XXXX my income taxes deposited to my credit karma spend account and the very next day I was not able to access my funds so I called customer service and was told my account was closed and they weren't qualified to tell me why. So they said to wait on an email because they were escalating my concern to the right department after I told them my account was wrongfully closed. They emailed me and said they were escalating my case again to have it investigated by the right department. After waiting a couple days I still heard nothing since then I've repeatedly called and emailed credit karma about my account. no one will tell me what's going on and now it's showing that the account is frozen. They have my XXXX XXXX and I need it. Today my sister in law said they're doing the exact same thing to her so I went online and seen many recent reviews of people complaining of credit karma freezing and closing their accounts with no explanation. I have all my efforts to resolve my matter saved.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (CA)

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. 

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 Section 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX  but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.
Consumer complaint received 2023-02-28
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. (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 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX XXXX  XXXX  : # XXXX, lending XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX 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 Section 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-28
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: ENCORE CAPITAL GROUP INC. (OH)

I am a victim of identity theft. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I took out a title loan XXXX I paid on it for about a yr {$200.00} XXXX, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

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 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 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. 

I applied for XXXX apartments and was denied for both because of the incorrect information that was given to the screening companies. They were given that the information that I had multiple evictions which aren't true!!! I'm still in the apartment that they are claiming that I had the evictions from. This has costed me money and has caused great stress and now I because my lease is ending I will have to live in a hotel to sort things out.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a check stolen from the US Postal box in XXXX Ohio. It was then forged and presented to the XXXX XXXX XXXX in the amount of {$6000.00} in XXXX of XXXX  After apparently cashing this check XXXX recognized it as fraudulent and called to tell me they were marking it as such. 
I then filed a police report and contacted Huntington bank where my account is and was told I would be reimbursed the funds. 

I have now been waiting close to a year for that reimbursement. I have sent countless emails requesting updates to my contact at Huntington and consistently been told that they are waiting for XXXX  to complete their " investigation ''. I'm not sure what there is to investigate when XXXX was the one to initially inform me about the forged check. 

I am not sure if you are the place that can help me with this but if not, could you point me in the right direction?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>