davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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 : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : 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 2024-04-24
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX has inaccurate information on my credit report and I have proof.XXXX says one date and Equifax says another which is wrong and inaccurate meaning no one can even verify that I owe this account or this much. No one sent me proof of ownership with my signature of me signing anything. Please remove and delete off my credit report immediately.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi my name XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - Fifth third bank Amount- {$300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against Equifax for its failure to conduct a thorough investigation into inaccurate items on my credit report and its lack of response to my inquiries, despite repeated requests and provision of necessary documentation. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I diligently submitted dispute letters to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts and inclusion of all necessary documentation, including a copy of my photo ID, social security card, and recent bill with my current address, Equifax has neglected to conduct an investigation into the disputed items. 

Furthermore, I sent another dispute letter on XX/XX/XXXX, to Equifax, requesting details on how they verify the accuracy of information on my credit report. I asked for specifics such as the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing ample evidence to verify my identity and address, Equifax has failed to respond to my inquiry. 

As per the FCRA, credit bureaus are required to investigate disputed items upon receipt of a valid dispute from the consumer. Equifax 's failure to conduct a thorough investigation into the disputed items on my credit report and its lack of response to my inquiries are violations of my consumer rights. As a consumer, I have the right to know how information on my credit report is verified and to receive timely and accurate responses to my disputes and inquiries.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

I opened a dispute against Comenity Bank regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law. 

I requested all accounting history related to this account, from account opening until account was closed, which also is a federal violation, related to committing adverse action against a consumer.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I got charged ( {$470.00} ) to my red card that something I did not buy. Target store refused to check the camera. I am fighting for a months with target to dispute charge. I went to Target store to buy XXXX Gift for my son. My son grabbed gaming machine and other toys ( XXXXXXXX XXXX XXXX XXXX : total of {$470.00} ). My father tried to use his credit card. His credit card did not work. So we decided to buy only the XXXX toy ( {$50.00} ) with my target red card. I informed to the cashier that I will only buy the lego. Cashier informed me that she would not charge other items and only charge the lego. I received the receipt only for the lego toy. A few weeks later, I realized that gaming machine XXXX, XXXX, other toy were charged to my card ( {$470.00} ). I never purchased those and never received the receipt. I processed the dispute for the charge to Target and requested them to check the surveillance camera. Target did not check the camera and denied my dispute for three times. Target stated that this is valid charge since the pin number was used. I used pin number to purchase the lego. XXXX is very expensive gaming machine ( {$400.00} ). It would be easy to track that inventory or check the surveillance camera if I really made the purchase or not. Target did not perform any of those and refused my dispute.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I'd like to open a class action law suit against Midland Credit Management for $ XXXX for trying to collect debt in the state of California without a license Pursuant to FDCPA 15 USC 1692 MIDLAND CREDIT MANAGEMENT , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX, United States
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (WY)

I emailed Aidvantage a month ago about my options to postpone my payments due to unforseen medical charges I need to pay. They have not responded and forced me to make an uneducated decision to use forebearance as my payment was due. They whole purpose of a loan servicer is to aid in decisions like this.
Consumer complaint received 2023-04-30
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. (GA)

In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth 1XX/XX/XXXXAddress : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I was at an ATM in California, because of the confusion when speaking to a Wells Fargo representative, they now refuse to investigate into the denominations received or if received at all. This is causing me to take a loss of over XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Per, ( 5 U.S. Code 552a ), with respect to Privacy Act of 1974, and The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I, a federally protected consumer has NOT given ANY and ALL of the companies listed below, and identified in my attachments written, unwritten, verbal or nonverbal consent to share ANY or ALL of my nonpublic personal information to ANYONE, including non-affiliated third parties and consumer reporting agencies. Per, ( 15 U.S. Code 6801 ( a ) ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " COLLEGE FOUNDATION '' has severely compromised my privacy and violated The Family Educational Rights and Privacy Act ( FERPA ) along with the Privacy Act of 1974, by reporting my transaction history and sharing my nonpublic information to multiple non-affiliated third parties and consumer reporting agencies without my written, unwritten, verbal or nonverbal consent. " COLLEGE FOUNDATION '' is also in violation of the XXXX XXXX XXXX ( 15 U.S. Code 6802 ) by not proving me with an explanation and a means to " OPT OUT ''. The listed companies in my attached " Statement '' are in violation of The Privacy Act of 1974 per 5 U.S. Code 552a, and The XXXX XXXX XXXX per 15 U.S. Code 6802, and IDENTITY THEFT! and the Fair Credit Reporting Act per 15 U.S. Code 1681! Furthermore, I am exercising my right to " Opt Out '' per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. See attached " Opt Out '' direction.
Consumer complaint received 2024-04-24
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (TX)

This is in regard to the law firm of Zwicker and Associates, XXXX XXXX XXXX, XXXX, XXXX, and Zwicker and Associates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
I have been disputing this alleged debt since XX/XX/XXXX requesting the firm for a full validation proving this debt is indeed mine as well as information from the Department of Justice, recognizing me as a victim of identity theft and the status of its case status not knowing details of how my information was obtained or if other individuals were involved. Sending this information since XX/XX/XXXX I would only receive statements after informing them, no, this is not validation but information. Informing them the name itself is incorrect, did fully validate the actual card company as required and their surety bond information that is required to collect in Texas. I was sued and during the break-out session during the hearing on XX/XX/XXXX with the attorney, XXXX XXXX  he told me that he has additional information that proves the debt is mine, he asked me for my mailing address, e-mail address, and contact information in other words information that should be on file if there is an actual contact on file that was signed. Yet, wanted me to set up a payment plan, why would I do this any the firm failed in so many ways to violate the FDCPA? After further research, he said they work for the card company BUT they are identified as a third-party collector and they are not bonded with the state. 
One should not be either for their fitting or business operation. Needless to say, I never received these intimidation letters again that do not define the validation of a debt, that I am entitled. The only thing I received was a " contract, '' which is questionable since it is known there is a class action lawsuit, Lizette DiResta vs.Discover Bank, Caes 155611-2015, in the Supreme Court , pending due to XXXX 's questionable fake credit card agreement, even arising more questions since it's not my name or signed as such. I have nothing and I have nothing to lose but when the harassing calls are being directed to my husband that is another story. This firm believes they are above the law and act as such. This matter with my complaint and other current and past should be looked into.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

have made an XXXX report based on multiple fraudulent accounts appearing on my Equifax credit report. I was also involved in their data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my original Equifax letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match XXXX XXXX, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other XXXX bureaus XXXX XXXX or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Consumer complaint received 2024-04-29
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. (MN)

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX account # XXXX XXXX XXXX acount # 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 with out my writing instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the folling items of information any other adverse iteam of information, other then records of conviction crime which antedates the report for more then 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 information is inaccurate