davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

The letters are stated with items and issues.

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 2024-06-12
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. (GA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I opened a XXXX account XXXX weeks ago. I successfully transferred {$400.00} into the account via their application. The next day I attempted to do the same thing for {$550.00} from my U.S. Bank account via their chime app, but I did not know that U.S. Bank had put a hold on my U.S. Bank account due to fraudulent activity via XXXX. US Bank had subsequently closed my U.S. Bank account so the transfer could not happen, U.S. Bank account had been closed. The XXXX transfer never happened. There was no record of the XXXX transfer ever happened. I have provided documentation that the bank account was closed and that the transfer couldve never happened because the account was closed. I was unaware that the account was on hold when I placed That transfer. Chime is refusing to accept my documentation and release my money or close my account at my request
Consumer complaint received 2024-07-10
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. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Colony Brands, Inc. (IL)

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-06-12
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. (MN)

XXXX XXXX XX/XX/year>2024 XXXX  XXXX XX/XX/year>2024 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 2023-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (CA)

I filed a claim for unathorized transaction which i also have a complaint about already filed with CFPB, now as of today im owed a provisional credit and chime refuses to provide it to me. They closed my account and all they respond with is that my account is closed please see the deposit agreement. My claim is for over {$5000.00} so its not like its spare change. It was my savings. Chime closed my account and is refusing to reopen it so that i can have full use of my provisional credit seeing it falls under Reg E.
Consumer complaint received 2024-07-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I disputed this with the credit bureaus XXXX XXXX and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account
Consumer complaint received 2024-06-12
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)

My account with these company 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 21 days before the payment due date.

This company 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX, XXXX requested my free annual reports from all XXXX credit bureaus. ONLY EQUIFAX has refused to provide it to me even though I used the government form on XX/XX/year>. I also submitted additional information they requested. They are violating a XXXX law and should be fined.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2024-06-23
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. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Recently I looked at 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 for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

I have requested documents regrading alleged debt XX/XX/year>, XX/XX/XXXX and last letter sent XX/XX/year> requested history of payments and how paid requested a copy of contract with signature of the person who guarantee debt i request insurance claim information that was claimed in this debt i requested copy of chain of title from them that if they were not original creditor showing they have title to collect i asked them to remove information off all three reports they are reporting the same debt 3 times caused a spike in my score they reported LVNV a debt for {$1100.00} {$1400.00} same acct information they just posted twice in my report they reported under Resurgent a debt for {$1100.00} this is the same company LVMV and Resurgent same company reporting on my credit report multiple times caused me three drops in my score Thats illegal, all they did was put different dates they claim i open acct with them and posting to my report as if i am in a contract with them listing monthly payments i have no knowledge abt as if its a active acct they have caused me so much trouble and denials I asked the credit bureau to remove and filed disputes they just said investigation closed without any proof Ignored my request as well
Consumer complaint received 2024-08-16
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 Have been a victim of identity theft. My personal infromation has been used to obtain goods and services. I contaced Equifax and told them that this inquiries are frdulent and provided proof, Even though they told me that this inquiries were verifed Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX
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. (FL)

Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.
Consumer complaint received 2024-07-10
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX, and I am writing to formally dispute Wells Fargo bank account which I believe were fraudulently opened without my consent. 
As a XXXXXXXX XXXX, I was in the United States like a XXXX student visa in XXXX, during which I obtained my Social Security Number. However, I departed from the US in XX/XX/XXXX. I returned to the US under the XXXX for XXXX program on XX/XX/XXXX ( attached below is documentation of my entry and exit from the US border ). 
It has come to my attention that I have a bank account listed under my name in Wells Fargo bank, which I did not open and didnt use, because i received my SSN in XXXX and account was open in XXXX. Attaching my report from Identitytheft.gov below. 
Therefore, I kindly request that this account be disputed, closed, and removed from my report promptly. This action is necessary to ensure that I can begin building my credit history in this country and proceed with opening a debit card and pursuing employment opportunities without further hindrance. 
Thank you for your attention to this urgent matter. I look forward to your swift resolution of this issue. 
I am a victim of identity theft, and this bank account do not belong to me. I request that this account mentioned in this mail be removed immediately. 

Attached to this email, you will find copies of all supporting documentation for the dispute. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-11
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. (AZ)

Equifax is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of equifax sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Consumer complaint received 2024-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (AZ)

Called PHH Mortgage before XX/XX/XXXX holiday to tell me new mortgage payment after paying into escrow account a week prior to the call. A rep said that there will be a letter sent about the mortgage assessment 10 days later and I asked that the flexpay be on pause during this process. Rep said she placed a note so the next time I call in future reps that assist will be able to see the latest activity. Here we are XX/XX/XXXX, flexpay took a mortgage payment and still no letter. I am not sure what's going on with this mortgage company but they are liars and absolutely the worst company I've ever dealt with.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This account is the result of identity theft and was removed from my credit report on XXXX XXXX XXXX under the name of the original creditor ( XXXX XXXX ). The account numbers are ; XXXX and XXXX. I have contacted the company ( LVNV Funding ) and notified them that this account does not belong to me. They continue to harass me, attempt to collect a debt that does not belong to me, and report negative information to the credit bureaus. I have sent them a copy of my FTC report. They are reporting that this information is accurate and verified. I have yet to receive PROOF. I would like this company to cease all communications and remove any markings from my credit report.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I've recently enrolled in a debt XXXX  program and since then, I've received XXXX letters for debt collection. Both debts are over XXXX plus years old. 

The name of the collection company is Resurgent Capital Services. I was told by my attorney that the statue of limitations to collect on a debt here in XXXX  is XXXX years. The debts are listed below : Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Balance : {$1000.00} Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Balance : {$1900.00} The date listed for the original debts are XXXX  2006. This is past the XXXX years of statue of limitations.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (CT)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.