davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE ACCOUNT
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (MI)

This TrueAccord Corp company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/year> at approximately XXXX XXXX I received a notification that my debit card was activated. I had recently opened the account and had not received the debit card. As I was driving, I waited until I had gotten home ( Less than an hour ) and promptly canceled the debit card and requested a new one. I then immediately called the customer service department of Fifth Third Bank ( they were closed ). The following morning I went to the bank located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX to report the Fraud. I spoke to the branch manager who said that he would get it taken care of and to not worry. The following week XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my account was being adjusted to XXXX due to a check that was deposited into atm # XXXX Check # XXXX for the amount of {$6600.00}. After speaking with an attorney was instructed to serve the branch manager a notarized letter stating that the activity was fraudulent as was both unknown as well as unauthorized by myself. On XX/XX/XXXX at approximately XXXX I served the branch manager said letter. I also served him with a letter stating that the activity at XXXX XXXX XXXX XXXX in XXXX, XXXX  was unknown to me and unauthorized by me and requesting both a copy of the check as well as the security footage at the atm. I received a copy of the check and have yet to receive a copy pf the security footage. I am now being told that I am responsible for the amount and my accounts were closed because it occurred on " Your Debit Card ''. The card I never received or activated. Enclosed is all paperwork received and submitted by me to the bank.
Consumer complaint received 2024-08-22
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. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (OH)

I had Axos Bank close out one of my XXXX XXXX  and send it to another bank for deposit. It was mailed by Axos on XX/XX/year>. It has not arrived at the receiving bank. I started calling them on XXXX XXXX and asking if anyone has cashed it. They said they had to research it and would get back to me in XXXX to XXXX hours. After that time period there was no response. I repeated the process, talking to XXXX from Axos on Wed, XXXX XXXX, his only response via secure email was that the check was sent on XX/XX/XXXX. Called again on XXXX XXXX, talked to XXXX, she said that they would have to research it and she would call us back. She never called back. 
Sent them a secure message on XX/XX/XXXX. No response as of XXXX XXXX at XXXX EST. 
Called them XX/XX/XXXX at XXXX pm and spoke to XXXX and asked to speak to a XXXX. She said she could not connect me and someone would call us back in XXXX days! 
I find this totally unacceptable treatment for a bank. After all this time, we have no information other than the check has been sent! ( so they say ). 
This bank has an extremely bad system of handling this issue. I don't know how they can be this inept and lacking in service when a lot of money is involved.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX  account number 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 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

( Collection ) Lvnv funding llc never owned account never had utilities with them asked for proof such as proof of identification of id or social security card never received also all inquiries are not mines I have not shop for car loans
Consumer complaint received 2024-10-01
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. (GA)

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 



Equifax failed to clearly state the accounts were in dispute. Delete the accounts due to FCRA violation. Code 107 XXXX XXXX  Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107  XXXX XXXX  Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107 XXXX XXXX XXXX Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107 XXXX XXXX Account XXXX  : delete due to Equifax failing to state the account was in dispute. Code 107
Consumer complaint received 2024-10-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

Dear Equifax, I am writing to dispute the following item on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt. 
I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute. 
I am also requesting the procedure taken if for any reason this item comes back verified. 
Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

every XXXX of the month I pay XXXX plus a XXXX processing fee. 
i emailed my payment on the XXXX of XXXX. 
XX/XX/2023, called to ask why they did not pull payment from my account they said that the person that handled my account doesn't work there anymore. i asked if i could send both my payments on the XXXX of XXXX and the secretary said that if would be ok, she transferred my phone call to me to a lady named XXXX who would handle our account she did not answer the phone so I left a voice mail explaining that the lady at the front desk said that it would be ok to send both payment of XXXX and XXXX on XX/XX/XXXX. 

i mailed both payments never got any confirmation back saying they received my payment nor have i ever got a statement of what my balance is, account number or anything of a receipt back from them for my own records. 

before i went into the hospital i tried calling US Collections west ( XX/XX/2023 ) to see if i could talk to XXXX and try to make a payment she did not answer the phone nor respond back to my voice mail. 2 days later ( XX/XX/2023 ) i called again and i finally got to speak to XXXX i asked why she hasn't responded back to my voice mails and that I've been trying to make a payment on my account, i also asked that she mail me a statement of my account. 
for the last 6 months before XXXX i talked to XXXX XXXX asking him the same question but he always forgot, or he just didn't want to do it. i told him that it is my legal document for the transaction that i have with you so there is no problems later on. 
i never got that document and XXXX in her words she doesn't want to babysit us nor tell us about our account or send us statements this was on repeat from her she hung up on me and when my husband tried to call her secretary hung up on him and when he finally got a chance to talk to XXXX she hung up on him as well. very unprofessional company. 
in the end my husband sends an email ( XX/XX/2023 ) stating that he would not like XXXX to handle our account due to her being very unprofessional and not sending us information about our account. 
today ( XX/XX/2023 ) my husband received a phone call from XXXX who said that it isn't their responsibility to send us statements when it is clearly stated on their account ( US collection west.com ) that they do I also found this information on the consumer financial protection bureau as well that debt collectors do have to send information about your account, balance and how much was paid. 

i thank you and appreciate the time for helping us out.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Subject : Request for Debt Validation Dear XXXX  I am writing to formally request validation of the debt associated with my account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this matter and would like to exercise my right to request detailed information about the debt you claim I owe. 

Please provide the following information : 1. The total amount of the alleged debt.

2. The name of the original creditor and the nature of the debt.

3. A copy of any agreement or contract that demonstrates my obligation to pay this debt.

4. Documentation that proves you have the authority to collect this debt.

5. A complete account history, including the dates when the debt was incurred and any payments that have been made.

Additionally, please halt all collection activities until you have provided the requested validation. If you are unable to furnish the necessary information, please consider this debt disputed and remove any negative reporting associated with it from my credit report.

I appreciate your prompt attention to this matter. Please send the requested information to my mailing address listed above. Thank you for your cooperation.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate this account from Navy Fedral Credit Union # XXXX, However, they stated 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (TX)

i will like the late payments thats being inaccurately reported to my credit profile to be updated to current.

i will like for the acccount at question to be deleted from my credit profile company.

i will like for the account at question to be updated as paid and current.paid in full.or to current status.
Consumer complaint received 2024-10-01
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)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 

XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2024-09-28
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. (PA)

Dear Equifax, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase decided that they are no longer accepting XXXX XXXX XXXX XXXX XXXX ) services and/or Merchants on their Credit Cards XXXX Further below my complaint is the information provided from their FAQ page. 

The issue is that Chase has allowed these merchants and payments since inception of these plans and have now decided they want to change what they will allow. Giving roughly 30 days notice and forcing consumers to take action is inappropriate and unfair considering they have allowed these for years. 

Consider the situations where a consumer does not have an alternate method i.e. they do not have another credit card and/or can not get XXXX within 30 days for a myriad of reasons or the consumer does not have a debit card/account. These consumers will be forced to pay off their XXXX in full or incur huge fees from the XXXX companies. 

It's understandable why Chase does not want to allow these plans as they are direct competitors to their business but the fact that they have allowed them for years and just woke up to smell the roses is not the Consumers fault. 

XXXX XXXX XXXX XXXX  What is a XXXX XXXX plan? 

XXXX XXXX XXXX XXXX installment plans provide the ability to break up purchases into smaller payments instead of requiring customers to pay the full amount upon purchase. Some examples of external Buy Now Pay Later providers include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. 

Why Can't I use my Chase card for these? 

Buy Now Pay Later installment plans are a form of credit. Chase generally does not allow the use of your Chase credit card to pay for other credit products, and beginning XX/XX/year>, payments to external XXXX XXXX XXXX XXXX plans will not be supported. 

What should I do? 
If your Chase credit card is a payment method for any reoccurring external Buy Now Pay Later installment plans, please update the payment method with your XXXX XXXX XXXX XXXX provider to avoid any missed payments or late fees ( if applicable ). If your method of payment to a XXXX XXXX XXXX XXXX provider is by a Chase debit card or checking account, it will not be impacted by this change. 

... Etc.
Consumer complaint received 2024-10-01
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. (AZ)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  POLICE REPORT, SOCIAL SECURITY, IDT THEFT REPORT
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPB, I am writing to formally dispute inaccuracies in my credit report as maintained by XXXX. Despite multiple attempts to correct the information, XXXX, Equifax XXXX XXXX has failed to take the necessary actions. The issues are as follows : I have previously submitted requests to XXXX, Equifax XXXX XXXX to resolve these issues but have not received any appropriate corrective action. I am seeking your assistance to ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me