davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2020-03-09
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. (FL)

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance. 



According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be  reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
Consumer complaint received 2020-03-09
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. (GA)

I submitted written request to XXXX, XXXX XXXX, and Experian about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (HI)

I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2020-03-09
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. (GA)

I submitted written request to XXXX, trans union, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ascendium Education Group (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ASCENDIUM EDUCATION has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-11-16
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. 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 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 2019-10-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I received an email through my XXXX  email account at XXXX XXXX  XXXX University asking if I wanted to be a secret shopper. Upon responding affirmatively to the email I was sent a letter in the mail that had instructions for me to go to a local XXXX store to buy two gift cards in the amount of {$1300.00} each. The  envelope also contained a cashiers check in the amount of {$2900.00}. The remainder of the funds was supposed to be my " salary '' for doing the secret shopper " job ''. I took the check to my bank ( Chase ) and deposited it in my checking account. They cleared the check and made the funds available in my account. Once that happened I went to the XXXX store to purchase the gift cards. The letter then instructed me to send a text with the codes on the back of the gift cards to XXXX. A couple of days later I was informed by my bank that the cashiers check had now bounced and they demanded the funds. The gift card values have been used by whomever I sent the text to ; and I'm out the entire amount of {$2600.00} ( {$2900.00} - my anticipated salary ). 

Today I went to my Chase branch to explain what happened and that I was a victim of XXXX. They refused to assist me with the loss of funds. I then called the bank where the cashiers check came from and they confirmed that the check is a counterfeit check. I'm asking for assistance in influencing Chase Bank to restore these funds to my account immediately. I'm a college student and the funds I had to use to cover this shortage are my scholarship tuition money. The cashiers check was " from '' XXXX XXXX XXXX XXXX XXXX  ; the Remitter was XXXX XXXX. The check number was XXXX.
Consumer complaint received 2020-08-27
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

i had called the creditor to pay in full but wanted debt verified, they stated on the phone they already mailed me and the mail was returned. i told them they had the wrong adress on file and they stated oh well too bad we already sent you letters. if they can not verify the debt when i asked in a timely manner then how can they still say its mine. i also dont beleive the balance is correct and have asked for the balance break down and they can not supply me with the information.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WI)

I have been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I have been a customer of Discover for over 20 years with two credit cards, including an outstanding credit history. Recently I discovered that one of my accounts was closed ( according to them due to inactivity ). My issue with this is I do not feel I as properly notified, I only found out when I received a termination of service letter from company that provided additional credit protection on this particular card. When I called Discover about this I was only told that one letter was mailed out to me in XX/XX/XXXX ( which I did not receive ) supposedly stating that if I made a purchase before mid XX/XX/XXXX the account would remain opened and the only thing I could do was to reapply for a new card as once an account is closed it can not be reopened. I have a serious issue with this as I stated I had two credit cards with Discover and not once was an alert/message visually placed on the Discovers online home page of my account-it stills shows this closed card having an available balance on the main page. Not only did they close my card causing my credit score to drop but I had to apply for another card which would also cause my credit score to drop. On XX/XX/XXXX I spoke to four different individuals and was transferred to departments that was not even working that day, only to be told a repeated scripted response that once an account is closed it can not be reopened. I think that with my years of loyal service as I was often told even as recent as XX/XX/XXXX, that my account remaining open would not solely depend on one letter ( that I did not receive ) being mailed to my home. My phone number, email address, are all on file as additional means of ways to communicate with me. This act in my opinion has caused me consumer harm and was/is very unfair.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Received a letter from SLS on XX/XX/2020, copy attached. I have made every payment on time and have proof but they won't accept the proof & keep asking for resubmission. They know there are no front and back of checks because they process electronically. They claim we are in default and want to foreclose. To add insult to injury, now on page 2, they claim I was late in paying XXXX XXXX, the company that transferred the mortgages to them. THIS IS UNTRUE! I am attaching copies of the XXXX XXXX XXXX reporting that I obtained this morning from XXXX, and XXXX XXXX for XXXX   and XXXX. Please let me know who I contact to have their license to do business in the State of Florida.
Consumer complaint received 2020-03-09
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. (TX)

I have been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, XXXX, Equifax as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, XXXX and Equifax a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?
Consumer complaint received 2016-05-11
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

Moneygram short changed the exchange rate on money sent to XXXX by almost XXXX dollars. I caught it because I had checked the exchange the day before. I have send money previously but never paid attention. If they are doing this routinely they are profiting enormously off of people who can least afford it.
Consumer complaint received 2017-06-13
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. (AL)

SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS