davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (MI)

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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2018-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Regional Management Corporation (TX)

On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.
Consumer complaint received 2024-06-06
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. (VA)

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 generallf, 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 2024-06-06
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. (IN)

XXXX student loans ( private ). Originated XXXX with XXXX XXXX. 

1st and only payment made on account XXXX as XX/XX/XXXX. No full payments followed. 

XXXX XXXX mis-representing date of last payment. 

Loans should have called off XXXX XXXX reports in XX/XX/XXXX. They still remain, impacting credit.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Request for Debt Validation or removal from credit report over 30 days ( no reply from debt collector ) Debt is still present on my most recent credit report Alleged Debt is not Known and not Validated via my written request via certified mail This Debt Collector has made false claims on my credit report Filed a complaint viXXXX XXXX -issue left unresolved.
Consumer complaint received 2024-06-06
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. (CA)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments ( 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.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am formally complaining against XXXX  Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : XXXX * Account Number : XXXX Nature of Complaint : 1. Lack of Written Notification : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

2. No Contract or Business Relationship : I have never engaged in any business with XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

3. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

4. Unauthorized Credit Report Entry : XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (NC)

A fake charge from XXXX XXXX appeared on my credit report numerous times. The first time, I disputed online. It offers a section to upload documents but they're all either too big or the wrong format. Then it says the online dispute center is unavailable and you have to call. I had to call multiple times as each time I was on hold for way too long. The charge should be in dispute yet it came back. While Experian mailed me a copy of my credit report- which is about XXXX pages of perfect credit history, never carrying a balance, never late, all large loans paid early- they never provided any proof of an investigation whatsoever. My XXXX XXXX had THREE fake charges on it within the year. I paid the first two because I couldn't get a hold of their customer service but the third was a huge charge and enough is enough, this is criminal on their behalf. And neither XXXX nor Experian has provided me ANY evidence of an investigation or why they keep putting the charge back, when I have sent document after document showing that it's a scam company that charged me. I have not gotten a SINGLE piece of paper, document, explanation, nothing. So why is this charge there? Only thing I can think of is XXXX does this on purpose because since I always pay my account in full and never carry a balance they can't make money off me otherwise. I would like the credit bureaus to do a PROPER investigation into the fake charges, not just listening to whatever the criminals at XXXX say, and provide me of evidence of the actual investigation - because if anyone with half a brain investigated they'd see it's a scam company that made those charges. Please correct my credit report and stop allowing criminals like XXXX to invent charges and cause this much headache to hardworking people with nearly perfect credit scores.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

I was made aware by Newrez XXXX XXXXXXXX XXXX XXXX that I will have additional payments for monthly Escrow shortage in XX/XX/XXXX due to 3 months lapse in property insurance the ending of XXXX and the company placed insurance on the property. The total amount of the escrow was going to be {$1000.00}. The option was given me to pay the entire shortage amount prior to the month of XXXX of {$1000.00} or to pay an additional amount in my monthly mortgage of {$83.00}. On XX/XX/XXXX, I made a payment in the amount of {$1000.00}. Unbeknownst to me the payment was sent to principle and not escrow as per request on the check. Per representative of the bank who I spoke to in XXXX after receiving a late notice ; the payment made in XXXX was allocated to extra principle. I did not look on my statement from the bank until XXXX as I know my mortgage amount is fixed ( I pay my own taxes and insurance ) and saw I was being charged {$83.00} monthly and now my account has a past due amount of {$2100.00} of which {$410.00} was for unpaid late charges. My mortgage is paid before the tenth of each month. I spoke to another representative who told me they were not able to reverse the money that was sent to principle in XXXX because the request was not made within 30 days of payment. On XX/XX/XXXX, I made a payment for my monthly mortgage amount of {$1600.00} and two days later XX/XX/XXXX an additional amount of {$1600.00}. I called the company close to the ending of the month of XXXX to ensure the extra payment was allocated to the right department. Again, it was not sent to the right department. My request was made before the 30 days time and I requested an adjustment. The representative stated they had to do an analysis and a refund will be issued to me for the overage. I called again XX/XX/XXXX, and was informed the refund was being process. I look at my statement again XX/XX/XXXX and again the adjustment was not done. Spoke to several representative XX/XX/XXXX which included a manager and again they have to do another analysis.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-06-06
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$7400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I deposited a check for {$33000.00} into my bank account at JP Morgan Chase Bank N.A. The check was immediately designated as suspended and I never received the funds. Chase has been in possession of those funds for almost 3 months and I really need them to avoid financial distress. 

On XX/XX/2023 my bank account was closed entirely without any communication or notifications from Chase to inform me that my account closed and I never received the money. Initially I thought I had been robbed and hacked by someone. 

The check was issued from the XXXX XXXX XXXX ( their bank account is with XXXX XXXXXXXX XXXX  ). The check was placed into a Suspended status from Chase, while Chase attempted to validate that the check. The check was processed by Chase and the funds left XXXX XXXX XXXX  account ( but I did not receive anything ) The method Chase is using for validation is to pull the information of XXXX XXXX from a database with a company called XXXX. Chase has attempted to use XXXX to retrieve a corporate phone number associated with XXXX XXXX. Unfortunately, XXXX has not been able to produce a valid number for chase to use. 

Thank you, XXXX
Consumer complaint received 2023-09-20
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

I am having trouble signing into my account for 2 days. A code was sent but never received it. I called the pnc bank and my calls routed to the XXXX, XXXX and some XXXX country. This is scary for all the scamming going on. I have been with pnc bank for over 30 years and never had an issue until recently. I can not sign in to pay my bills. I do not feel safe at pnc bank.
Consumer complaint received 2024-04-01
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)

These accounts are reporting inaccurately please remove them immediately. 

By the way these two accounts have the same account number this is against the fcra DeptedXXXX XXXXXXXX DeptedXXXX  Account XXXX