davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 
I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (FL)

Today XXXX XXXX I received a link from credit karma. It stated my XXXX XXXX disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

On XX/XX/XXXX, there was XXXX unauthorized transactions from depop. 
XXXX. XX/XX/XXXX - XXXX  - {$75.00} XXXX. XX/XX/XXXX - XXXX  - {$35.00} XXXX. XX/XX/XXXX - XXXX  - {$90.00} XXXX. XX/XX/XXXX - XXXX  - {$240.00} XXXX. XX/XX/XXXX - XXXX  - {$420.00} I immediately called them about the transactions, reporting a fraud that had taken at the time and they responded by email. I will attached this email on file. Also, on XXXX statement on discover account, there were no transactions on the statement, which can only mean that they had taken care of the transactions and reported as fraud. Then, on XXXX statement that will be shown on the pdf, they reversed the charges back onto my account for the total of {$800.00} of XXXX transaction, XXXX of the transaction for {$75.00} was taken care of but the rest of the other XXXX transactions were not. Since, that day on XXXX, we tried contacting them and they explained to me, " you do not have enough evidence to prove this was a fraud. '' I've been contacting them for the past XXXX months about this case. Which, resulted with me having to pay interest as well as late fees. To my knowledge, I should not have to pay or be responsible for these unauthorized charges. In the span of those months, I paid for every single payment on time or before, and the only payment, I did not paid was the XXXX unauthorized transaction of {$800.00}. Now, as of today, discover sent me an email saying, " if I do not take action by XX/XX/XXXX, this account will be reported as delinquent to the credit bureaus. '' Every time, I called discover, they informed me that the investigation is still going on. '' But this investigation has been going on for XXXX months already. It seems to me like they are buying time. To get in contact with me, please email me XXXX or phone number at ( XXXX ) XXXX.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pharus Funding LLC (MS)

I bought furniture from a company that is no longer in business and I defaulted on the loan. I need a co-signer and my daughter agreed. We both signed the contract. My daughter was sued and paid the judgment. The creditor ( XXXX XXXX XXXX ) was paid. Now, the information is in my name alone and her name alone instead of the one contract. The contract shows the exact furniture in both our names, the exact date and time. The company is now garnishing my check ; I was never served for court to defend myself. I sent the satisfaction of judgement when my daughter was sued. I received a satisfaction of judgement from XXXX XXXX XXXX for Pharus Funding and I was told by XXXX XXXX that he would return any money taken but the satisfaction of judgement was supposed to have sent a stop garnishment to my employer but they didnt receive it. I never gave anyone permission to access my credit report. This account has been satisfied and now these companies are stealing my hard earned money. Thank you for your time and support.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (MI)

I submitted a debt validation letter XX/XX/year> stating I never had a contract with this debt collector and requesting proof of debt owed to the original creditor and have not received anything back. I have tried numerous times to call and figure it out with a representative but they have been very unprofessional and rude each time.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX credit cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (TX)

I got in a car accident and the insurance company sent me a check but spelled my name wrong. I requested a fixed check, but hadnt heard from them. Since I thought maybe they werent sending a new check, I tried to cash the original check through SoFi. Days later I got the updated check, but I couldnt stop the original check from trying to cash, so I just added the new check but knew not to overspend. Now, I have {$1100.00} stuck in my SoFi account because on XX/XX/XXXX, SoFi marked my account restricted. I dont even care they restricted it, I care that the correct check was done processing and they have STILL not officially closed my account and sent me the check for my money. For the past XXXX weeks Ive tried calling, and SoFi doesnt help me at all. Theres no pending transactions, and I know the check that was correct has fully posted. Theyre just holding my money, and its almost been a full month now. I need help because theyre call support isnt actually helping.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (SC)

The FDCPA prohibits debt collectors from using false or misleading representations to collect debt. This includes claiming you owe a debt that is not yours. 

The Fair Debt Collection Practices Act ( FDCPA ) is codified in Title 15 of the United States Code, specifically at 15 U.S.C. 1692. The section that addresses false or misleading representations is 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (IN)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the Experian, XXXX and XXXX to reinvestigate these accounts XXXX XXXXXXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. 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 7 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 the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-27
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm personally disputing late payments on my credit report. I discovered these entries upon reviewing my records. Despite sending inquiries over a month ago, I've received no response or proper validation. I'm requesting your help to resolve this issue quickly.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$49000.00} has inaccurate and incorrect information. TransUnion is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (NY)

I have been lied to by Goldman Sachs multiple times over the past 3 days. On XX/XX/year>, I paid a charge off which was a required item needed for the home buying process I am in. I reached out to GS and paid in full, I did not settle. I asked for a XXXX balance letter to prove this to my lender and was told I could get it emailed to me once my payment processed. I called back after the payment processed and was told it had to me mailed to me which would take 10 days. When I expressed that this was too long, I was directed to a supervisor who eventually told me they got a case open to get it emailed to me. I called back the next day to follow up, and I was told that the case had not been made and that I would not be getting the email. I expressed my frustration and was assured that a new case was made and that I would be receiving a call " very shortly ''. I waited XXXX hours and called back just to be told that I had been lied to AGAIN and to not expect a callback for up to 10 days as well. I have been dragged through by GS all because they can not get it together and overnight or expedite an incredibly simple request.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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. (NC)

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 accountt number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX acct number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX no account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX account number XXXX no account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX  XXXX account number XXXX no account number XXXX XXXX no account number XXXX XXXXXXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please remove the account XXXX XXXX XXXX XXXX from my credit report because you are reporting inconsistent information. XXXX last reported is XX/XX/24, XXXX last reported is XX/XX/24, and XXXX last reported is XX/XX/24. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. The dispute letter, which is dated, and time stamped, is attached.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.