davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (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. 

XXXX XXXX : XXXX, DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX 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  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 2024-06-21
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. (FL)

" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IN)

An attorney office of Zions Debt Holdings is reporting inaccurate information on my credit report, claiming I owe a XXXX debt through a company called XXXX XXXX XXXX. I contacted XXXX and they have no record of this debt and I also initiated a 3 way called to resolve this issue. XXXX told this attorney office they have no record of this debt nor do I owe a debt to them but the attorney refused to communicate and still proceeded with reporting on my credit.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AL)

On XX/XX/XXXX, I pulled my credit report and discovered that my credit score with XXXX was XXXX had decreased by XXXX points bringing it down from good to fair at a XXXX credit score due to the inaccurate information that I, C, System, INC collection company is reporting as a debt owed to them of {$440.00}. Based on my credit report XXXX is the original creditor. This information is inaccurate. In XXXX I had XXXX XXXX  here in XXXX XXXX  when I was staying at an apartment complex called XXXX XXXX Upon moving to another apartment complex upon my lease expiring in XXXX, I went to XXXX XXXX  XXXX  turned in the cable box to the customer service representative at that time and had the account closed. Here it is approximately 15 years later and this collection company I.C. System reporting to the credit bureau that I owe them {$440.00}. I do not owe this debt to them or the original creditor XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Per FCRA 15 USC 1681 AND 1692, VALDATION OF DEBT WAS REQUESTED. VALIDATION HAS NOT BEEN PROVIDED THAT INCLUDES WRITTEN DOCUMENTATION., SPECIFICALLY, DEBT CONTRACT; ASSIGNMENT CONTRACT; PURCHASE AGREEMENT, STATUE OF LIMITATION; DATE OF LAST MISSED PAYMENT; AGREEMENT GIVING 3RD PARTY RIGHT TO COLLECT/PUBLISH; PURCHASE AGREEMENT; LICENSE TO COLLECT IN NEVADA.  COLLECTORS CANNOT IGNORE LAW TO PROVIDE SUCH INFO TO VALIDATE THE DEBT AT THE CONSUMERS REQUEST.  A WRITTEN REQUEST WAS ISSUED AND MAILED ON XX/XX/2024 TO THE 3 MAJOR CREDIT BUREAUS AND TO PORTFOLIO RECOVERY AND IT WAS IGNORED.BY PORTFOLIO RECOVERY.  PORTFOLIO IS PUBLISHING NEGATIVE INFORMATION ABOUT ME TO A CREDIT BUREAU WITHOUT MY PERMISSION OF 3RD PARTY INTERFERENCE AND WITHOUT WRITTEN VALIDATION THAT THIS IS MY DEBT.  I DEMAND THIS ITEM BE REMOVED FROM MY CREDIT REPORT UNTIL OR UNLESS THE DEBT IS VALIDATED AS PER MY CONSUMER REQUEST.  NEXT I WILL ISSUE PRE-ARBITRATION NOTICE. CORRESPONDENCE TO CONSUMER SHOULD BE DIRECTED TO XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX ; XXXX located in XXXX XXXX and XXXX located in XXXX XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (NH)

Around XXXX I made a complaint about illegal ATM fees wisely ADP was charging me. ADP wisely is a payroll card merchant where I receive my funds for work as well as a debit card. When I made the complaint someone from compliance reached out to me and ultimately ended up refunding me for the last 90 days in the total amount of XXXX dollars even though I requested during the whole life since account was opened. What happened was I would use a atm get charged XXXX dollars for using the atm for that atms fee. then another XXXX dollars for using an outside network by ADP wisely, and then another XXXX dollars if I entered the pin wrong. So a total of XXXX dollars per transaction was taking place on my hard earned money. I informed ADP wisely it goes against the electronic transfers act as well as it being a billing error 15 usc 1666B and they did a brief investigation and gave me a refund for the past 90 days. What followed after this a week later was a serious of calls and a email from wisely. They stated that I can not receive incoming withdrawals from XXXX XXXX XXXX XXXX  I asked why I was not given a very solid reasoning to this and if I continue to do so they would close the account. I have had this account since XXXX and have been using XXXX, XXXX and XXXX XXXX since then for transfers from friends and family or etc but now it became a issue. I believe the company is taking adverse action against me for asserting my rights as a consumer. I tried to consult and was ignored and ultimately the account was closed on a day I was set to receive my direct deposit from work. I ended up being late on my rent and it took 3 business days before I saw the money and it was inconvenient. I still to date have not receive a lettter stating why it was closed so the company was not operating in good faith and it is very evident it was due to my complaint in may the account was closed on XX/XX/XXXX. I am writing CFPB to have this on record
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (MI)

I am formally request a copy of the IRS Form 1099-C for a charged-off loan that was incurred under my account. The loan, associated with account number XXXX, was charged off due to unpaid balances, and I am requesting the 1099-C form reflecting the cancellation of debt and any profit loss charge-off related to it. As this form is essential for my tax filing, I kindly ask that you send the 1099-C to the address provided.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (SC)

I initially began contacting the 3 Credit Bureaus about the 3 delinquent accounts listed on my credit report by Spring Oak Capital LLC. This process began in XX/XX/2024- XX/XX/2024. When I requested verification of debt none was sent from all XXXX Credit Bureaus. Over the months Spring Oak Capital LLC reported to all 3 bureaus. I began to feel like this company was a scam ; therefore, I wrote them a letter dated XX/XX/2024, requesting Validation OF DEBT made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I specifically asked for the following : 1 ) Agreement that SPRING OAK CAPITAL LLC has the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay SPRING OAK CAPITAL LLC . 3 ) Any insurance claims that have been made by any creditor regarding this account. 4 ) Any judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to SPRING OAK CAPITAL LLC. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collectors if collection efforts are successful. I asked for all this information to rule out scam and/or potential fraud as I have never done business or promise to pay any company named Spring Oak Capital LLC . It has been nearly 60 days and Spring Oak Capital LLC has yet to verify the debt. None of the information I requested was sent. Spring Oak Capital LLC closed the account, yet they continue to report false and harmful information to my credit report. It is not right that this company I never done business with have the right to report false information on my credit report when I stated that all communication should stop if verification of debt was not received after 30 days from receiving the letter I sent to them. This is a huge violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is my last remedy for this issue before a consult legal counsel about this matter.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

XX/XX/year> : Customer Impersonation Claim ( by Wells Fargo ) {$21000.00} XX/XX/year> : Customer Impersonation Claim ( by Wells Fargo ) {$3000.00} I keep reporting Wells Fargo to the CFPB. Wells Fargo continues to follow up with my complaints with the same letter. I continue to follow up with Wells Fargo. I have never gotten more statements or explanations for their decision to authorize these 2 claims on my account. I do not trust Wells Fargo for many reasons which I have explained to the government but I am trying to establish trust with banking, which all of society should have. 

I would like Wells Fargo to respond to my claim appropriately.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from 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
Consumer complaint received 2024-09-28
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: TomoCredit Inc. (FL)

A company called TomoCredit advertises on reporting credit lines. I had paid five months for this service. However, Tomocredit has not reported to any of the credit agencies. I have brought this issue to Tomocredit several times, and nothing has been done. Tomocredit has scammed me and is not returning my money.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

The following accounts listed and showing on my XXXX, Equifax and XXXX XXXX credit report, was paid in full and as agreed on, on XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XXXX, {$730.00}, XXXX XXXX XXXX, {$1000.00}, XXXX XXXX XXXX, {$550.00}, XXXX XXXXXXXX XXXX {$810.00}, XXXX XXXX XXXX, {$440.00}, XXXX XXXX, {$260.00}, XXXX XXXX XXXX XXXX, {$360.00}, XXXX XXXX XXXX XXXX, {$170.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, {$74.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$70.00} XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX, {$170.00} XXXX XXXX XXXX XXXX, {$340.00} XXXX XXXX XXXX XXXX, {$250.00} and XXXX XXXX, {$150.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-07-09
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. (MA)

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 informationisinaccurate.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CT)

Our mortgage payments were 4 months late as XXXX us were unemployed. We called Chase bank who holds the mortgage, and they told us that " if we pay {$10000.00} XX/XX/XXXX, we can then resume monthly payment ''. I made the representative repeat that statement at the end of the call. The call was on XXXX XXXX 2015, When we called back to pay ( well prior to XXXX XXXX ), Chase refused our payment and told us they were starting foreclosure proceedings. We reminded them of the fact that they confirmed multiple times on XXXX XXXX that if we paid {$10000.00} XX/XX/XXXX, that we could resume regular payments. The representative said we needed to call Escalations which we did. Escalations took several days to find the tape of the the call ( we provided the call date ), and Chase claimed that NO DATES we discussed on the call! This is is a complete fabrication. If you can not help us we will have to get an attorney to subpoena the tape as they are lying.
Consumer complaint received 2023-03-15
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-09
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-09
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. (VA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items and ensure that the information being reported is accurate. 
Here is the item I am asking for verification of accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX