davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am XXXX XXXX, and XXXX submitting this complaint myself 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. I never had a contractual relationship with I. C. System, Inc. company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (NC)

I wrote to this company about this debt.ask the company to send me a validation of this debt back in XXXX Of 2021 after I saw it on my report .company has violated all my rights under 12CFR 1006.34 section C account number XXXX acima Digital fka simp
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/ Ally Bank froze certain joint bank accounts at Ally bank. The joint bank accounts frozen were those I maintain with my XXXX XXXX XXXX son. The accounts were frozen after my son attempted to send money via XXXX. The attempted XXXX transaction was flagged for potential fraud. When my son called Ally customer service to resolve the issue he was told that a recent phone number change on his account likely triggered the flag. However, Ally next determined my son could not be properly " authenticated '', froze all accounts for which is was an owner/joint owner and told him to wait for contact from Ally fraud staff, with an estimated " up to five business days '' till you hear from us. As a joint owner on these accounts I am currently being denied access to the funds in these accounts, despite the fact that Ally Bank has been able to " authenticate '' me. I support Ally 's efforts to detect and deter fraud, but that goal must be balanced against customers ' need to have access to their funds to the extent possible. The bottom line is Ally should have an obligation to work swiftly to resolve fraud concerns. It has not done so in this case. A five days to reply standard is unreasonable. Moreover, Ally has not even stated any reasonable grounds for denying me ( versus my son ) access to the frozen funds.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} XXXX ) XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX 9 )  XXXX/ XXXX Please block the above accounts.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (GA)

I recently received a copy of my credit reporting noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize nor did I authorize these accounts. If I may speak freely. It angers me that an individual would steal my personal information to seek medical treatment. I have no knowledge of the listed facility. I'm hoping the this facility will be forced to provide documentation/proof of some sort so that I may prove this was not an action of mine so that this fraudulent account may be removed from my credit report.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (IA)

On XX/XX/XXXX I opened a Cashback Checking Account with Axos Bank using promo code XXXX. 

The promotion terms state that a customer must fund the account within 30 days and direct deposit at least {$1000.00} per month. After each {$1000.00} direct deposit, Axos Bank is supposed to credit the account with a {$100.00} bonus within 10 business days. The direct deposit and {$100.00} bonus is repeatable up to 3 times, for a maximum bonus of {$300.00}. Axos Bank is aware of these terms and even communicated them to me in writing on XX/XX/XXXX. That written communication is attached. 

I have satisfied all of the terms. The second and third screenshots in the attachment demonstrate that the account was funded within 30 days and that XXXXree direct deposits in excess of {$1000.00} were completed. Additionally, the communication from the Axos representative ( first screenshot ) shows that Axos has a record of the promo code XXXX being associated with my account. 

Axos Bank has not paid the promotional bonus and has therefore violated the terms of their own promotion. I have reached out to Axos on several occasions to try to resolve this matter with no succsss. They are no longer responding to my messages.
Consumer complaint received 2024-06-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (FL)

I need to know if Wells Fargo Bank, who has been named by Judge XXXX of the XXXX XXXX XXXX XXXX XXXX, as a victim of my mortgage fraud conviction in XXXX, has ever received any restitution money from the clerk of court of the Florida XXXX XXXX XXXX in XXXX Florida for XXXX XXXX for my XXXX foreclosures? 
XXXX XXXX, AKA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (FL)

Recently, I did an investigation on my credit report which is caused XXXX XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

I am trying to fix my credit report, I filed a dispute on some of my debts. On XX/XX/year> I received a letter in the mail from a lawyer on behalf of the this company. It's stating that I am being sued. 
And on XX/XX/XXXX, I was served papers by someone whom delivered these papers to my front door. 
I am still disputing this debt and I want to file a FCRA, against this company. 
I wasn't notified that the information in my file was being used against me. So I am disputing this lawsuit against me as a violation of my rights. 
The amount is {$710.00} and the action this company is taking against me is a DEBT CLAIM CITATION.
Consumer complaint received 2024-06-18
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: SYNCHRONY FINANCIAL (NC)

INQUIRY - SYNCBLOWES - XXXX I have recently obtained a copy of my credit report and have observed the presence of credit inquiries made by entities for which I do not recall granting authorization. It is my understanding that the placement of an inquiry on my credit file necessitates explicit consent, thus I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving formal documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have indeed been expunged. Thank you for your attention to this matter.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was contacted by portfolio recovery associates on multiple times I did receive a letter stating that I will be sued for the debt that was sold to them in XXXX. The original debt was from XXXX. I was also sent a letter that stated there was a judgment against me. I did advise them that I was a victim of identity, theft, and that this debt is not mine and at this point, it is also past the statute of limitations
Consumer complaint received 2019-01-10
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: Onity Group Inc. (NY)

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to XXXX. Ocwen Loan Servicing has submitted fraudulent documents to XXXX  in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest Ocwen Loan Servicing will be submitted. 

XXXX  allegedly conducted an investigation with XXXX XXXX XXXX. XXXX  was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest XXXX  credit reporting will be submitted.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011. 

" We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall. 

I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?! 

Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation. 

XXXX " XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Today XXXX XX/XX/year>, Someone called my home from Spring Oaks capitol. The person didnt give there name but asked me for my personal information. I dont give birthday dates or addresses to NOBODY Period! All the scammers that are getting peoples birthday and address using to fraud people no way. My phone number is unlisted private just changed my number and getting calls again from Spring Oaks capitol. Let them know that my last name is XXXX XXXX XXXX XXXX so stop calling me about some one named XXXX! Never heard of that before I had to get a Lawyer about 9 years again about fraudulent claims in my name.
Consumer complaint received 2023-11-09
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

XXXX XXXXXXXX Bankruptcy : XXXX, XXXX XXXX Bankruptcy : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-06-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I am writing about my XXXX XXXX XXXXXXXX XXXX  ( MySynchrony.com ). I am not sure this is something you can help with but I thought I would check. 
We have used the card for years with no problems and make our payments in full every month. We have recently received notice been that in order to continue using the card, we would be required to pay a monthly fee of {$1.00} to continue getting paper billing statements and the ability to make payments using personal checks. If we choose not to do this, we are being given an option of giving them our bank account number and either set up automatic payments or be allowed to make manual transfers from our bank to pay the bill each month. 
What I would like to know is this legitimate? Can they really do this? I dont feel comfortable giving my bank account to any entity unless it is a critical necessity ( mortgage, etc. ). Please advise. Thank you.