davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (KY)

On My credit Report Self Lender has Incorrect information Reporting. ( 1 ) Accounts Numbers are Different.. ( 2 ) its Reporting Closed and on XXXX its Reporting Paid. ( 3 ) Open Date are different!! XXXX Open XX/XX/XXXX XXXX Open XX/XX/XXXX and I have asked them to Fixed 2 times already and they Just totally Removed the account from XXXX company!!! Please me get the account to Current Never paid my account late!!
Consumer complaint received 2024-08-18
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. (IL)

I have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/year>. XXXX  XXXX have charged off, closed and reopened this account a total of XXXX times. This account is being reported to the credit bureau with an incorrect address and incorrect status of the account. According to code 15 usc 1681eb the credit reporting agencies have the responsibility of reporting maximum accurate information to my credit report. How are they reporting income to my credit report ; when this account is in charge off status and the IRS has considered this account canceled or forgiven debt.
Consumer complaint received 2023-10-29
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022
Consumer complaint received 2024-08-22
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-06
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. (TX)

Ive sent in over 30 letters to get these false items removed from my credit report. They have failed to answer me after multiple attempts. Ive also called and was treated disrespectful. Ive requested the following accounts be removed immediately XXXX XXXX XXXXXXXX Closed Account XXXX isn't provided XXXX XXXX XXXX XXXX Ive sent in proof with each letter, asking you please remove this info.
Consumer complaint received 2024-07-10
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to formally dispute the following inaccurate information on my credit report. The items in question are : XXXX XXXX Account # 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  Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable. 

According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report.

Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance.

In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law.

I also request the Method of Verification ( MOV ) for how this information was verified.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for Chase ink business credit card on XX/XX/23, I was kicked out the application after I was done and pressed submit, I was given a error message and to try again later. I received a email credit alert inquiry, that's when I then know that the application did go through and it was denied on personal credit and not business credit
Consumer complaint received 2024-07-06
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. (PA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 


Equifax mortgage ser XXXX this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2023-09-05
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 2024-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

BLANCE {$1700.00} PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT. I DO NOT KNOW WHO THEY ARE NOR DO I HAVE ANYTHING BIDING WITH CCS. THE DEBT BEONGS TO CCS NOT ME SO PLEASE COMPLETELY REMOVE FROM CREDIT REPORT.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Consulting Services, Inc. (CA)

BALANCE XXXX PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT. I DO NOT KOW WHOTHEY ARE NO DO I HAVE ANY BIDING CONTRACT WITH THEM PLEASE REMOVE FOM MY CREDIT REPORT ASAP.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas XXXX XXXX. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the XXXX XXXX XXXX are furnishing this unauthorized fraud. 

The XXXX XXXX XXXX are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 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. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-22
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: Palm Beach Credit Adjustors, Inc (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, for {$610.00}, 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 an account without my written instructions. 
I do not owe this debt collector.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LAGO Funding Corp. (FL)

We feel that XXXX & XXXX, XXXX, the Attorney acting on behalf of Lago Funding Corporation, a debt collector, is dealing with unfair practices for a Judgement claim of {$25000.00} on a vehicle sold at an auction from Summit Financial on XX/XX/XXXX for {$6400.00}. 
They were able to get a Judgement filed and approved with the XXXX XXXX Courts which has now resulted in us filing a XXXX  XXXX Bankruptcy. 

The President of Lago Funding is XXXX XXXX XXXX XXXX ( XXXX ext. XXXX ). That is the phone number I found on XXXX. I called that number and the automated answering service said " XXXX XXXX XXXX XXXX. '' XXXX XXXX XXXX XXXX is the former Registered Agent for Lago Funding Corporation. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | Florida is listed a the current Registered Agent for Lago Funding Corporation. I spoke with XXXX XXXX XXXX on XX/XX/XXXX around XXXX XXXX  and she mentioned that the case was closed. 

Although the Judgement has been filed, we don't feel like we were given the opportunity to receive fair practices. The Bankruptcy has caused financial hardship and myself not being able to afford to pay for a personal medical issue. 

We agreed to the filing only because we felt threatened with wage garnishment and the legal tactics taken. We felt we had no other choice. I still would like to submit a complaint. 

Our complaint is : XXXX XXXX sent letters on XX/XX/XXXX, and XX/XX/XXXX. We never received those letters. There was no further action or communication until a Judgement was filed on XX/XX/XXXX with the XXXX XXXX Courts. Why did XXXX  years go by with no communication at all from XXXX XXXX XXXX XXXX is my question but then XXXX  years later, they felt the necessary need to file a Judgement on XX/XX/XXXX? 
Also, it seems like they have the discretion to settle for any amount but have declined the amounts we asked them to settle for. 

Thank you for your time, XXXX and XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX - XXXX XX/XX/year>, I applied for the CapitalOne Venture Rewards credit card. I was approved and there was a XXXX mile sign up bonus. When I received the email about my new account, it was for a different product, the Venture One card. I immediately called and they said there is nothing they can do, but there is at least a XXXX miles reward once I spend {$500.00} in three months. It is now one month later, I have spent the {$500.00} and I spoke with four different CaptialOne representatives who let me know that they are not going to honor their current promotion, even though it is still stated online and I was told by a representative I have that sign up bonus. I just called and filed a complaint through their company and closed my account.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

Commencing on or about XX/XX/XXXX XXXX, I fell victim to a multi- layered Scam operation which involved me making deposits for a total amount of {$63000.00} USD, from my XXXX XXXX XXXXXXXX account to JP Morgan Chase Bank at the instructions of the Scammers
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> FactorTrust Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX Dear FactorTrust Consumer Services, I am writing to request a security freeze on my FactorTrust account and credit report number XXXX. I understand that FactorTrust allows consumers to place a security freeze on their accounts to prevent unauthorized access and potential identity theft. 

Please process this request promptly and confirm once the security freeze has been successfully applied. If you require any further information or documentation, please do not hesitate to contact me at the address, email, or phone number provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (MD)

I am Recently under Pandemic Unemployment Assistance. I been on this program since the year XXXX looking to close the account in XXXX. The account has been open and remains open with holding payments for no cause or reason. There is no issues on my end but the biggest and main issue is who filed this claim. I was working with XXXX XXXX in the beginning of the pandemic so i would not and should not have filed not having a clue of PUA. I have sent UI messages to the uifraud department with no real investigation. Lowes LLC is attached. All my proof is tied to Maryland Civil Commission Rights & DOJXXXX  All accessible through Email. I also have Ebt phishing as well.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.