davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-14
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (LA)

XX/XX/2021 home received damages from XXXX XXXX. XXXX XXXX XXXX XXXX folded and XXXX for the State of Louisiana took over the guarantee of my mortgage. XXXX paid us on XXXX two checks for a total of {$48000.00}. ( approximately ). My attorney XXXX XXXX XXXX, XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA sent the signed checks to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The new company name now is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account number is XXXX in the name of XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$4100.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

XX/XX/2022 I used a debit card for purchases in XXXX XXXX at XXXX ; XXXX, and XXXX XXXX 
At XXXX, XXXX and again at XXXX, a " device '' other than the card in my possession, not authorized by me, known to me or with my consent, was used to fraudulently withdraw funds from an ATM owned by XXXX XXXX XXXX XXXX within XXXX  XXXX, I attempted to contact issuer of Cashcard ( debit card ) " Cash App '' to halt and dispute theft. They only have an automated " bot '' on Sundays. No live assistance was available. 
I immediately changed PIN. I continued to try to contact Cashapp help. 
I then went to XXXX XXXX and at XXXX and XXXX XXXX used the card in my possession to withdraw funds with a time and date stamp for proof of my possessing card and my location,, and I sent funds to XXXX recipients to drain my account should further fraud occur. 
XXXX is approx XXXX miles away from where I was located and a XXXX XXXX XXXX XXXX. 
The following morning at XXXX XXXX I was informed by Cashapp that I needed to contact the merchant. I contacted XXXX, obtained the name of the credit union supplying and faciltiating the ATM and transactions, tried to contact them and submitted an email to themThey responded two days later, told me they could not help me as I was npot a credit union memeber.. I contacted Cashapp repeatedly, via chat which was scripted and not helpful, via phone to a number that states they will make contact and to wait for this. 
I began the dispute process, which is vague and although entry areas are provided for associated transactions, these were not processed with the dispute. I eventually, days later, spoke to XXXX at Cashapp who assisted with the dispute forms, again was told to wait and they will investigate. I waited. I called, I sent requests for help, all came back formulaeic and unhelpful. I was denied provisional funds. 
I waited. On XX/XX/XXXX I drove to XXXX to engage with a live person at XXXX, who told me they did not have ATMs in XXXX. I drove to the XXXX pharmacy, took a photo of the ATM used for the fraud, returned to the SCU and showed the clerk the photo. He shrugged it off and said he couldn't help me. 
At XXXX I arrived at the XXXX Police Dept, but they had closed at XXXX. I drove XXXX XXXX hour back to XXXX. 
No one was following up with my status requests, no one would assist me. The next day, XX/XX/XXXX, I received and email of Dispute Denial. 
I have been trying to request documentation of their investigation. 
I have written to the Head of Cashapp and Square-whatever it is explaining I am going to pursue this in any and all manners possible, and I believe thios to be an Interstate crime as it involved XXXX and XXXX and I was physically unable to be in both places during the hours of transactions, and that I had physical possession of my card. It has been 19 days and I have no money, no recourse and I have been a victim of theft of funds supposedly secured in a reputable " institution '' I use the term reticently. Thank you
Consumer complaint received 2024-09-02
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. (CA)

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 is the item I am asking you to verify as accurate : Account Name : TXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> **Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Re : Original Creditor / Account # : XXXX XXXX XXXX XXXX XXXX XXXX **Current Account Owner / Account # : Security Credit Services , LLC XXXX XXXX XXXXTo Whom It May Concern : ** I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced account. Please be advised that your response does not meet the verification requirements outlined under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692g ( b ) **, which requires you to provide adequate verification of the debt. 

While you claim to have provided documents validating the account, these documents were sent in a XXXX XXXX that I was unable to access. As such, I still have not received the legally required verification of the debt. I am requesting that you resend **all documentation** in an accessible format. 

Further, I am requesting **complete and proper documentation** as required by law, including : 1. **A signed agreement or contract** that establishes my liability for the debt.

2. **Detailed transactional history** that traces the amount you claim I owe from the original balance to the current balance, including itemized charges, fees, and interest.

3. **Proof of ownership** of the debt by Security Credit Services , LLC, from the original creditor, XXXX XXXX XXXX XXXX XXXX 

The court cases you reference, including **XXXX XXXX XXXX**, do not preclude my rights under the FDCPA to request adequate verification of the debt. Your claim that there is no duty to comply with such excessive verification demands is a misinterpretation of the law. The **Fourth Circuit** case referenced does not diminish my legal right to request proof that the debt you are attempting to collect is legitimate and owed by me. 

Additionally, your failure to provide full and proper verification of this debt is causing significant financial hardship, including harm to my credit score and financial reputation. **15 U.S. Code 1692e** prohibits the use of any false, deceptive, or misleading representation, including the misrepresentation of the character, amount, or legal status of any debt. 

If you can not provide proper documentation that verifies this debt in accordance with **15 U.S. Code 1692g ( b ) **, I am formally demanding that this account be removed from all records and credit reporting agencies immediately. Failure to comply will leave me no option but to pursue legal action for damages under **15 U.S. Code 1692k**, including compensation for the financial troubles this issue has caused, statutory damages, and attorney fees. 

I expect a prompt response to this request. Please ensure that any further communications include the legally required documentation in a format that is accessible and complete. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

Company is Reporting debt under {$500.00}. As per H.R.2537 - Consumer Protection for Medical Debt Collections Act medical debt under {$500.00} will not be listed on credit report. Company has failed to validate debt and provide with my signature agreeing to pay this debt as per multiple requests in XXXX of XXXX. 
Debt is also past the statute of limitations to collect or report as per Virginia State law which is 5 years on any contract.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

This company sold me a completely totaled out car. They did not provide me with a XXXX XXXX This company beat me out of my money. And now they are saying I owe them XXXX on this vehicle. This company is steadily reporting late payments to my credit when they have been sold this car. When the vehicle has been repossessed and sold. I need an updated credit report. It is completely illegal to report balances to my credit after debt has been sold to a collector.
Consumer complaint received 2024-05-14
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-05-14
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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
Consumer complaint received 2023-05-02
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: Absolute Resolutions Corp. (KY)

I sent a letter on XX/XX/2023, to Absolute Resolutions. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. I want to know if they investigated this account. If they investigated this account, who did they speak to? I want to see the proof of investigation and proof that this is my account. How did they complete the investigation?
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Name : XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX NA XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX