davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX 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 2023-11-12
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. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian Information Solutions Inc. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/, I successfully removed an account through dispute, but Experian Information Solutions Inc. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. 

Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-10-20
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. (MS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-02
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. (SC)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-02
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. (OH)

THE FOLLOWING INQUIRYS WERE FRAUD. ALL COMPANIES WERE CONTACTED AND CONFIRMED. BUREAUS REFUSED TO REMOVE. THIS IS HURTING MY FINANCIAL CREDIBILITY AND CONSUMER REPORT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-02
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. (MD)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-02
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. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-02
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. (FL)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

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 2018-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

Account XXXX My father leased a XXXX XXXX 2014 from Chase Auto Finance. I have received at least XXXX collection calls started off explaining they were calling with the intent to collect a debt. I explained to them more than once that I am not my father, and they do not have the right to attempt to collect from me. They have called multiple times.. 

In addition to attempting to collect from ME, they are also refusing to validate the debt to my father. My father has requested countless time to see proof of an extra {$3600.00} in repairs that Chase Auto Finance is claiming they paid. Chase is refusing to send proof that they paid this price for the repair. The damages to the vehicle were nowhere near {$3600.00}. My father has requested a copy of the invoices paid by Chase adding up to {$3600.00}. They have repeatedly told my father they have no obligation to validate the debt properly, and instead, are deciding to send a bill issued by Chase in response to all attempts to have proof of repair costs delivered. No proof of {$3600.00} in damages have been shown. 

My father has requested a written letter with a due date on it, showing when the payments are due by. Chase Auto Finance told my father " XX/XX/XXXX '' " XX/XX/XXXX '' and " XX/XX/XXXX '' all on the same day. Nobody at Chase is being held accountable. We are attempting to work WITH chase to come to a fair resolution. I believe Chase has falsified the damage report and associated costs, and they're intimidating us by refusing to give us a date to pay by or allow us to make payment arrangements. 

I plan to sue Chase Auto Finance on behalf of my father in the event that proof of damages are not shown, or the excessive damages reduced by XXXX {$800.00}. Chase is engaging in unfair debt collection practices.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: QC HOLDINGS INC (KY)

I would like to report this establishment. 
Lend Nation XXXX XXXX XXXX XXXX, Ky XXXX I went up to lend nation to get a loan. I was told that a loan was already taken out for {$500.00} under my account information. 
I did not authorize this loan. The signature does not match my signature. I also was somewhere else while this loan was getting taken out. This was not me.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (OH)

I had funds stolen by a company called XXXX. I have proof that Navy Federal ignored, and they closed my claim and refuse to help me. Despite XXXX saying they are to help me recover stolen funds. 

Navy Federal has been ignored me and refuses to help.
Consumer complaint received 2024-05-02
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. (MA)

In accordance with the Fair Credit Reporting Act. The List of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), 1. XXXX XXXX, Account # XXXX XXXX, has violated my rights. 
2. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account : # XXXX XXXX  has violated my rights. 
4. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX, has violated my rights. 
6. XXXX, Account : # XXXX XXXX has violated my rights. 
7. XXXX, Account : # XXXX XXXX has violated my rights. 
8. XXXX XXXX XXXX, Account : # XXXX XXXX XXXX XXXX has violated my rights. 
9. XXXX XXXX XXXX Account : # XXXX XXXX, has violated my rights. 
10. XXXX XXXX, XXXX XXXX, has violated my rights. 
11. XXXX, Account : # XXXX XXXX, has violated my rights. 
12. XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
12. XXXX XXXX, Account : XXXX XXXX, has violated my rights. 
13. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, 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 supposed 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 2024-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cheadle Law Firm (TN)

I am NOT paying your scam $ XXXX - XXXX XXXX XXXX 
Not gon na happen. XXXX reasons 1- I signed a legal doc with XXXX XXXX XXXX completely sett this acct with a certain amount. 
I will settle that. 
NOT with you weasels. You argue with XXXX if you want paid XXXX Ill file bankruptcy so fast none of any of you will revive a XXXX Do NOT CONTACT ME AGAIN
Consumer complaint received 2024-05-02
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. (FL)

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 2024-05-02
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)

someone who probably has my personal information, applied for credit cards causing inquiries on my credit report which are the following : XXXX XXXX XXXX, XXXX ( XXXX ) on XXXX.
Consumer complaint received 2024-05-02
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AZ)

A collection balance showed up on my credit report from CCS XXXX. The charge impacted my credit score by XXXX points. I called them on XX/XX/XXXX and they had a hard time finding my account and were showing different amounts that i supposedly owed. Once the account was found that was only based on my name, they advised that they represented XXXX. I explained to them that i was not aware of a bill for XXXX and my account with XXXX was a XXXX balance. I had never done business with this company, they claimed that they had sent me letters that had been returned from multiple address but the the last one they sent on XXXX had not been returned. I explained that I was in the middle of a dispute with XXXX and had filed a dispute form with the DOI due to several missteps XXXX made when I cancelled my policy. After filling the dispute I paid the balance in full in the interim. I never had any contact with Credit Collection Services and they refused my request to have it removed even though they were able to verify that I did not have a balance. I never received a phone call, letter, and all my payments were made to XXXX. I have attached two statements from XXXX with the first being a statement that showed I owed XXXX on XX/XX/XXXX and then a rewrite that I was not made aware of for an increase of XXXX. XXXX over the next 5 months had originally sent me a bill for XXXX, and after sending documents that I had a policy in force the dropped it down to XXXX and then i had to request multiple times again to have them review again and it went to XXXX which was still incorrect. They rewrote my policy without my request and for that I filed a grievance with the Arizona Department of Insurance.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC. (IL)

{$20.00} Transfer fee being charged by Optum Bank to transfer HSA account Also they do it by check and delay the process up to 2 weeks ( 21 days in total ) stealing the interest income that is owed to the consumer.
Consumer complaint received 2024-05-02
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XXXX TOO Long and this wont deter me. I will go to the XXXX, and then all way up the XXXX XXXX XXXX what was done to me and checking acct. XXXX was criminal and illegal I dont need you and this unmanned process of non protection to help. You have started with two weeks and then you drag me around and dont hold anyone else accountable I have banked there for almost four years. I left XXXX XXXX XXXX XXXXo go there because of XXXX and the unsafe and unsecured feelings the XXXX was giving off in XX/XX/year>. 

No you allow these people to drag me and still shake my faith and belief in a federal system of banking. STOP IT stop dragging me around. 

My XXXX XXXX XXXX XXXX  and that was XXXX XXXX weeks. How is it in this unprotecting section are you granting them anymore time. I have allowed them to steal my funds > XXXX for more than XXXX months. Are they going to give me double my money? XXXX Do you job XXXX XXXX
Consumer complaint received 2024-05-02
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. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.