davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX and XX/XX/XXXX of 2024 I sent {$100.00} through PAYPAL to my debit card through their apps option " send to debit card ''. The money was taken from my Paypal account but never transferred to my bank account. I called on the XXXX after seeing this and they tried to blame their sister company who I did not go through and of course had no record of the transaction. They told me to open a case so I did. After the 3 days i was told to wait for a response I called to let them know nothing has happened. They walked me through cancelling the case so they could expedite a refund. I then realized after printing my transaction record there were two more transactions, done the same way, that they never sent XX/XX/XXXX for {$97.00} and XX/XX/XXXX for {$150.00}. I mentioned this and got hung up on. Called the next day and was told I didn't do the transfer right. I sent screen shots that I absolutely did do it right and do it through their app and played phone tag until yesterday, XX/XX/XXXX I was finally told I was owed a refund after I called demanding a supervisor because it had been weeks and I have no more time because my rent is due YESTERDAY. I was put on hold so the supervisor could see about expediting the refund and yet again hung up on. Today I was told they had to file disputes and their hands are tied on the time frame but to be patient because they assure me everything will be refunded and I will get a provision for PART of the XXXX XXXX transactions in TEN DAYS. NONE OF THIS IS OK!! That's {$450.00} of my money they are just holding onto and its already been over 2 weeks. I have 2 kids and my rent is due. My landlord does not care about Paypas time frames. Why cant they tell me any information on where they sent the money since I sent my bank statements showing it was not sent to me? Why cant they just cancel the transactions? Why only offer provisions on 2 of the charges and why do I have to wait yet another 10 days?? Usually to get a refund you reach out to the other party and I am the other party and I say do it yet they just cant? How is any of this ok considering Ive sent all documentation showing the money was taken and showing it was never received??? how am I supposed to tell my kids we're being evicted because Paypals time frames and poor guidance and customer service are somehow my problem and the reason we will be homeless?
Consumer complaint received 2022-11-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (TX)

I previously had conversation with an XXXX from Chase Auto, and I was told that I could have the issue of being wrongly charged taxes on my lease with the XXXX tax jurisdiction. I physically went to the office, and they redirected me back to Chase Auto. The representative from the XXXX XXXX XXXX expressed that Chase Auto would have to resolve this matter on my behalf, as I did not pay taxes to them directly. All of this took place in XXXX, and it is now XXXX. I have not had a resolution. I specifically explained to Chase Auto at the end of my lease that my lease purchase packet was incorrect. Property taxes were charged to me, yet they had the personal property tax line reading {$0.00}. Chase Auto refused to correct it. Now, they refuse to present my case to the XXXX jurisdiction off the strength of a letter mailed in XXXX, when we were in a national pandemic and the mail system was receiving a lot of bad publicity with losing mail at this time. I also moved, and have no confidence that they mailed it to the correct address. There's a secure message center on the Chase app. They did not contact me via this app to alert me. The Chase app would have been a more direct form of communication where it would not be lost and this confusion could have been avoided but they did not concern themselves with how to effectively communicate with their client. I never paid property taxes on a lease before, and was first made aware in XX/XX/XXXX. I was incorrectly informed when I first inquired about the tax charges, that submitting the affidavit before the end of my lease in XXXX would allow me to be refunded. Most recently they acknowledged that they received the affidavit and that it will be applied moving forward in the years to come, BLATANTLY disregarding that I no longer have a lease with them and never will again. I would like my refund, as ONE letter to encompass all the years of a lease is ridiculous, especially during a year where the federal mail system was known to lose correspondence! This is $ XXXX that was taken from me.
Consumer complaint received 2024-04-26
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. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-09-07
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. (NJ)

I receieved multiple unauthorized inquiries on my consumer report that I do not recognize. back to back I over looked my report and immediately called to have them removed. they were not removed. this hard hurt my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I filed a complaint against Resurgent Capital Services in XXXX - XXXX XXXX. 

On XX/XX/XXXX CFPB rec 'd a letter from XXXX stating they had researched my complaint and agreed it was not my debt. 

On XX/XX/XXXX I rec 'd another letter from XXXX saying they verified the debt with a copy of the credit card statement they sent earlier. 

On XX/XX/XXXX I sent a letter stating they had agreed on XX/XX/XXXX that it was not my debt and the stop contacting ( included copy of the XX/XX/XXXX letter. ) On XX/XX/XXXX Resurgent sent another letter for the same credit card number ( copy of statement included with letter ) stating " we therefore deny the alleged inaccuracy because our believe that our information regarding he account is accurate '' How do I make this stop - PLEASE HELP
Consumer complaint received 2024-04-26
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. (WI)

I have consistently made on-time payments, 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 else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-09-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, XXXX XXXX XXXX XXXX Equifax XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently did an investigatoin on my credit report and found several items on there to be inaccurate. under 15 U.S.Code 1681a ( b ) accuracy of report whenever consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code 1681 ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer an shall ( 1 ) promptly delete that item of the information as appropriate based on the result of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer immediately... .remove please ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thanks ....
Consumer complaint received 2024-04-26
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. (IL)

I consistently make on-time payments, and I am confident about this. However, I am uncertain about 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 ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-26
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)

These inquiries were unauthorized and Im a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to dispute the presence of inaccurate and damaging accounts on my Equifax credit report. Despite repeated attempts to rectify this issue and providing ample evidence, Equifax has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Equifax : XXXX Account : Equifax continues to report a XXXX account on my credit report, despite receiving notification from XXXX that this account has been deleted from their records. I have attached a letter from XXXX confirming the deletion of this account and requesting its removal from my credit report. 
XXXX XXXX Account : Similarly, Equifax persists in reporting a XXXX  XXXX account, even though XXXX  XXXX has confirmed the deletion of this account from their records. I have enclosed a letter from XXXX XXXX verifying the removal of this account and requesting its removal from my credit report. 
XXXX Account : Equifax also reports a XXXX  account, despite XXXX confirming the deletion of this account from their records. I have attached a letter from XXXX verifying the removal of this account and requesting its removal from my credit report. 
In addition to the letters from the companies involved, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Equifax 's failure to comply with my requests and remove these inaccurate accounts from my credit report is not only a violation of my rights but also against the law and the FCRA. I have already contacted the police, the IRS, and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My next course of action will be to pursue legal action against Equifax in civil court. 

I demand that Equifax immediately rectify this situation by removing the aforementioned accounts from my credit report. Failure to do so will result in further legal action.
Consumer complaint received 2024-04-30
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. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am submitting this complaint against TransUnion for permitting the re-addition of deleted accounts, improper re-aging of accounts, and the inclusion of discharged bankruptcy accounts without proper verification. These accounts were previously removed from my credit report after disputes but have been re-added without proper investigation or documentation. Additionally, there is evidence that certain accounts have been re-aged to make them appear more recent than they actually are.

The practice of re-aging and re-reporting discharged bankruptcy accounts contradicts both Fair Credit Reporting Act ( FCRA ) standards and bankruptcy protection laws, and it has caused continued harm to my credit report. 

Specific Issues : XXXX. Failure to Verify Accounts Properly : TransUnion allowed accounts to be re-added after being deleted, without requiring any further verification or investigation from the original creditors or debt buyers. There is no proof that these accounts have been properly validated in terms of transaction history to allow me to examine and verify, balances, dates, or my liability as I was on end of life care during the time period in question. 



XXXX. Re-Aging of Accounts : I have observed re-aging of multiple accounts, where the dates of last activity have been altered to reflect more recent dates, making these debts appear more current than they are. This tactic extends the reporting period for accounts that should no longer be listed or should be closer to expiring on my credit report under statute of limitations. 



XXXX. Reporting of Discharged Bankruptcy Accounts : TransUnion has allowed the re-reporting of accounts that were included and discharged in my bankruptcy case. These accounts were wiped out in bankruptcy and should no longer be reported. TransUnion has failed to verify that these accounts are no longer collectable and should not be appearing as adverse items. 



XXXX. Circumventing Legal Verification Requirements : The re-addition and re-aging of accounts appear to be a tactic used by debt collectors and creditors to bypass FCRA requirements, avoiding the proper steps of verification. TransUnion has failed to hold these furnishers accountable, thus violating my consumer rights.

5. Negative Impact on My Credit and Health : The continued re-reporting and re-aging of these accounts, along with the wrongful inclusion of discharged debts, has significantly harmed my credit score and increased stress, negatively impacting my health.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-30
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)

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-29
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.