davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
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: Experian Information Solutions Inc. (SC)

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 this account ( A ). It is not permitted to report this account 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 XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-15
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)

I am writing to formally dispute the reporting of two accounts from XXXX XXXX XXXX auto loan opened in 2012 and a credit card opened XXXX appear on my credit report. I am unaware of the account numbers associated with these accounts. I have never applied for, nor have I ever held, any accounts with XXXX XXXX XXXX. These accounts do not belong to me and are the result of identity theft. 

I have provided clear and substantial evidence supporting my claim, including an FTC Identity Theft Report and a police report filed with the XXXX XXXX XXXX XXXX XXXX  ( Report Number : XXXX XXXX ). Despite this evidence, these fraudulent accounts remain on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), your continued reporting of these accounts violates my rights : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that these accounts were fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report these accounts without fully considering the extensive documentation I have provided. The burden of proof lies with XXXX XXXX XXXX to provide valid contracts or agreements signed by me, which they can not do because no such agreements exist. 
I should not be required to provide any further personal information or documentation beyond what I have already submitted. Requesting additional personal information is unnecessary and an invasion of my privacy. 

I request that Equifax : Immediately remove the XXXX XXXX XXXX XXXX loan and credit card accounts from my credit report. 
Cease any further attempts to reinsert the disputed accounts without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

On XX/XX/year> I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company numerous of times for a PURCHASE AGREEMENT to validate this debt they claim I owe! This company refused to provide me with a PURCHASE AGREEMENT because it is IMPOSSIBLE for this company to provide me with on because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. I sent this collection agency one last dispute letter asking them once again for the PURCHASE AGREEMENT so they can validate this debt! However this is impossible because this debt is a result of identity theft as stated on my consumer report.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Hello, Background : I tried to withdrew EUR XXXX on XX/XX/year> in XXXX, XXXX, however when I found out XXXX XXXX rate was not as good, I cancelled transaction, the ATM machine was confirmed transaction was cancelled at that time. Since the transaction was cancelled, there was no receipt printed. It was surprisingly to learn that the Chase bank still withdrew the money from my bank account. Me, my husband and my friend were all there and confirm that I did not get any cash at that time. 

I have been working with Chase bank for a long time, however the issue has not been resolved. 

If you need any additional information, please let me know. 

Thank you
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (NY)

Today XXXX XXXX, my ex husband recieved a debt card in mail stating I had opened an account with this bank. I never did and it is stole identity and fraud. Bank is causing me trouble and not wanting to close the account with me providing my personal identification. I have the card number, account number and routing number due to paper attached to the card. That wasn't enough and they only said I could only be guaranteed verbally.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (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 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

My mortgage loan is under Select Portfolio Services and has been under loan modification review with " complete package '' confirmation letter received by mail for a loan modification since XXXX XXXX, XXXX. In total, I 've received XXXX mailed letters confirming they 've received a " complete application '' for a loan modification evaluation back in XXXX XXXX, XXXX and XXXX XXXX, XXXX - but they ( SPS ) keep asking for clarification on subjects like " growth income '', " net income '' and payments dates that can be clearly seen by the earning income statements that have already been sent to XXXXXXXXXXXX. 
My mortgage is under foreclosure status since XXXX XXXX, XXXX and I may have a foreclosure day anytime. I believe Select Portfolio Services is stalling and purposely delaying the loan modification review to have a schedule foreclosure date on my mortgage, living little room for negotiation or further options if a loan modification full review is finally reached. 

On XXXX XXXX, XXXX I received another letter confirming they have received a " complete package '' for a loan modification evaluation and review - and, yet again, they keep asking for additional information. XXXX XXXX I clarified their questions verbally and sent an email XXXX XXXX to XXXXXXXXXXXX clarifying pay stubs growth income and net income which can easily be identified by any competent underwriter under loan modification review. 
In conclusion, I believe " unfair practices '' and " negligence '' is of presence in my mortgage account with SPS case. I can have a foreclosure schedule at anytime now and I am afraid Select Portfolio Services is using unfair practice tactics to foreclose on my account without a proper, complete HAMP evaluation which I qualify according to local bank underwriters'.I need assistance from federal authorities effective immediately due to this case malpractice and Select Portfolio Services history ( fines, lawsuits ) due to negligent practices with loan modifications.
Consumer complaint received 2024-05-22
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. (MD)

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.

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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-05
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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/year>, and I have not yet received a response.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TX)

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 2024-09-15
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. (CA)

First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-23
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)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I had two CITI Credit Card accounts in my name. The first CITI account had a ( XXXX ) credit balance and therefore no payment was due.The second CITI account had a Balance due of $! XXXX which was due on XX/XX/XXXX. We paid on XX/XX/XXXX by Electronic check from our account at XXXX XXXX {$1500.00} but this payment was sent to the account that had a credit of ( XXXX ) so the credit increased to ( XXXX ) and the second account only received an automatic {$35.00} payment. When we noticed that we had a big problem. We contacted CITI since they had the money to please transfer to the correct account. CITI refused to transfer the ( -! XXXX ) to the bill due at their credit card account supposedly since they sent the money to XXXX according to their letter. Also please note That was our money not the Banks. XXXX shows no such credit to our account. 
When we contacted CITI they state that this account was transferred to XXXX XXXX we sent them a fax with a copy of everything on XX/XX/XXXX and have no reply.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-04
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. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VA)

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received XXXX unsolicited calls throughout that XXXX day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
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: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I opened a Cash App card, XX/XX/year> at approximately XXXX pm central standard time. I saw that the card was immediately XXXX and the data was not present on the card. I have seen this before with XXXX  and XXXX  issued several cards to my XXXX XXXX and I was given XXXX of the cards therefore, every time I would go to the store XXXX people would show up and shop in my name with cars leaked to my account so I understood the game, immediately XXXX minutes later requested for cash app to cancel the card. It had not been issued. There was not any data on the card into my dismay cash app stated I have to activate the card to cancel it. I wanted to know what policy stated that you had to activate a cash card or credit card in order to cash it Again cash app to cancel. I was told that I had to connect with accounts or XXXX XXXX to access the card. My response was had to submit my URL to another company because of fraud. Why would I submit a card to a better question how would or has access to a cash app card that I did not have access to I have seen this fraud game before with XXXX  issuing several parts blocking any data from linking accounts that I was not aware of me to pause. I believe that cash app, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX have all engaged in money laundering and have linked accounts to legitimate accounts, however, the legitimate account holder have no idea that those other accounts exist.