davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OR)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Mercury Financial Intermediate LLC (TX)

I have just found out in XXXX that a credit card was opened in my name with my social security number when I started receiving mail from lawyers saying a case has been opened against me. The credit card is named Mercury and I never knew about the account, apparently it was open in XXXX and the balance that I'm being sued for is {$3100.00}. I had no knowledge of this account until XXXX of XXXX. I have called XXXX XXXX XXXX to dispute this because they purchased the account from XXXXXXXX XXXX XXXX  XXXX which is the owner of the Mercury card. I have been told by XXXX XXXX XXXX that a dispute has been filed and I have to send them a copy of this that I am disputing this issue. The weird part is I have filed a dispute with XXXX XXXX XXXX twice today which is XX/XX/XXXX is the third time that I have called them to dispute this issue. The address on the Mercury credit card statement was sent to an address in Florida, which is an address that I disputed two years back and it was removed from my credit report through XXXX. THIS IS NOT MY ACCOUNT. My credit report shows that all my other purchases and addresses are in XXXX, that is something that can be seen by the company that is suing me so I'm not understanding why I'm all the way in XXXX  and I'm being charged for this. My lease is here in XXXX, my bills, my kids go to school here and I have never been to Florida!
Consumer complaint received 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (NJ)

XXXX XXXX account opened by my employer XX/XX/XXXX contribution made by my employer of {$620.00} XX/XX/XXXX qualified distribution in amount of {$620.00}. This was not authorized by me and no one at the bank can tell me where it is. 

The initial contribution of {$620.00} disappeared off of the statement. No one can explain why XX/XX/XXXX and XX/XX/XXXX contributions were made {$620.00} respectively. 
Given the first contribution disappeared and the unauthorized qualified distribution was made in the same amount I am left with a balance of {$620.00}. 
I have not accessed this account at all for any reason. 
I have called the bank daily without any resolution. Their response is 3-5 business for research. 
This contribution is an ongoing {$620.00} every 2 weeks from my paycheck for my XXXX account. This will continue. I dont want to stop the contributions because I will loose approximately {$3000.00}. over the course of the year due to the pretax nature of the contributions
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (RI)

Dear XXXX XXXX XXXX XXXX  ; MIDLAND CREDIT MNG ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations.

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. Please provide the following promptly : Evidence of your
authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TX)

From XX/XX/2024, to XX/XX/2024, unauthorized transactions occurred in my Robinhood trading account. An unknown individual ( s ) remotely accessed my computer and used it to initiate internal transfers from my XXXX  Checking account to my Robinhood trading account. These transfers were used to purchase specific stocks ( XXXX, XXXX, XXXX, XXXX ) associated with a known " pump and dump '' scam.

The total amount lost from Robinhood is {$52000.00} and these transactions were conducted without my consent or knowledge. The fraudulent activities resulted in significant financial loss due to the devaluation of the purchased stocks. 

Upon discovering the unauthorized transactions in XX/XX/2024, I immediately reported the issue to Robinhood. Robinhood acknowledged the report and initiated an investigation into the fraudulent activities. However, I have yet to receive any resolution or reimbursement for the losses incurred. 

I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter, as the unauthorized access and fraudulent transactions have caused significant financial and emotional distress. I request a thorough investigation and appropriate action to recover the lost funds and prevent such incidents in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TN)

When I moved out of my apartment at XXXX XXXX, I received a bill with my move-out charges. The bill was dated XX/XX/XXXX. I paid with a check on XX/XX/XXXX. 

I received a letter from IQ Data International on XX/XX/XXXX, informing me that they believed I owed XXXX and that it had been sent to them for collection. I called IQ Data International on XX/XX/XXXX to dispute the charge, and I spoke with XXXX. After telling them that I had the bill from the apartment complex ( of which the XXXX was a line item ) as well as documentation of the check I paid with, including an endorsement showing deposit, they directed me to email a member of their staff with the proof of payment. 

When I requested a letter saying that it had been disputed and cleared from my credit report, I was told that I needed to wait for them to verify it with their client, and that I could call back in a week. I called back the next week and was told they were still trying to verify it. I called on a weekly basis for several months, with the same response each time.

In one of these many phone calls, I informed IQ Data International that I was applying for a new apartment and wanted it off my credit report. They told me that I could go ahead and pay them and it would be removed from my credit report, which is untrue. 

After applying for a mortgage, I was informed that this debt was still on my credit report. I immediately called IQ Data on XX/XX/XXXX, and was told that I needed to resubmit my dispute. It is clear to me that they never made any attempt to verify that my debt had been paid and were hoping I would fold and pay them something I didn't owe.
Consumer complaint received 2024-06-18
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I recently noticed a XXXX late payment recorded on my account, which is inaccurate as I have consistently made timely payments. According to standard credit reporting practices, a XXXX delinquency typically follows a XXXX late payment, which further suggests an error in the reported information. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with ( XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


( XXXX XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC. (AR)

Please see my information letter with all dates and information on the attached document. On the attached I have included the cover sheet of the Paid in Full letter I received along with first page of the Paid in Full document- Sofi Personal Loan Truth In Lending Act Disclosure. If you need the complete XXXX document I will be glad to scan it in. 

Thanks,
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Upon reviewing my credit reports I noticed that a collection was placed on my reports by Midland Credit Management with the original debt coming rom a company called XXXX XXXXXXXX XXXX. I have never done business with XXXX and I immediately reported Identity Theft. This is not my debt. I have attached a copy of the identity theft report.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name XXXX XXXX XXXX Account number:XXXX XXXXXXXX U.S.C 1681 Section 602 A4. 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 that the information is inaccurate.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to express my deep concern and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit file 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 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 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (OH)

Have contacted advance resolution services multple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MA)

XX/XX/23 Opened mail and discovered I received a XXXX XXXX XXXX from Chase that I never applied for I checked credit report and see I had a JPMCB Card credit check on XX/XX/23 that I never authorized. 

On XX/XX/23 I immediately contacted Chase who claimed they closed the account.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

On Saturday, XX/XX/year> I deposited a check for {$11000.00}. I was informed by customer service that those funds would be made available within XXXX business days, barring a hold. On XX/XX/year> I became aware that there was a 7 day hold on the account. The customer service through the app informed me I would have to contact a local branch. Upon reaching out to the branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX she informed me this was due to my account being new. Upon research, I found that according to CC regulation XXXX, Section A, Subsection XXXX, my account is not considered a new account. I reached back out to the branch XXXX, and she informed me that the hold was actually due to Reasonable Doubt of Collectability. I asked for the reason for doubt, which they have to provide according to XXXX, XXXX XXXX She stated she had no reason listed. I called the customer service line, and after being rerouted several times I was put on the line with a manager in Electronic Banking. She also refused to give me a reason for the doubt of collectability, and repeatedly stated they are in federal compliance despite not following the listed regulations. I filed a formal complaint within the company, and requested to speak with someone in compliance and audit. She informed me that she would not be forwarding my call. In addition, everyone I spoke with refused to refer me to the formal complaint department, and repeatedly stated no one would be able to release the hold.