davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PR)

I have a JetBlue XXXX issued through Barclays. 

Recently, a judge ordered all of my bank accounts frozen due to divorce proceedings except for one account in the USA. I live in XXXX XXXX. My lawyer advised me not to use that bank account because we couldn't understand how a judge could freeze my accounts and he thought that it could be frozen too. 

Normally I do an automated payment but with my accounts frozen other than an account in the USA that my attorney told me not to use, I had to pay by other means and writing a check was not possible so a friend wrote a personal check to pay my account balance of {$460.00} for my XX/XX/2022 credit card statement. 

He wrote the check on XX/XX/2022. I wrote the credit card statement number : XXXX on the front of the check and mailed in the payment coupon along with my friend 's personal check. I have copies of the check and his account statement proving it was cashed by Barclays on XX/XX/2022. 

Unfortunately, this amount was never credited to my account and with the due date fast approaching I decided to take a chance and deposit money to my account in the USA and pay the {$460.00} through an electronic transfer. Although the balance has been paid twice, I have only received credit once. Barclays has never credited my account for the personal check from a friend and continues to waste my time and not resolve the matter. 

Over a month ago I called them and was told to write a letter. That seems silly because we know they cashed the check and have my money but have not credited it to my account. I asked for a supervisor and he told me he would initiate a claim and to call back in a week for the case number. At the time he also gave me an email address for their Resolution Department. When I called back the representative told me a supervisor would call me back. Two days later I received a call and was told a claim was never initiated. Once again I was told to write a letter and she said they'd write me back, but with some arm twisting, I was able to obtain an email address and she did initiate a claim while I was on hold. The supervisor found in their system the first email I sent them and verifed that it included scanned attachments of both the cashed check and my friend 's bank statement proving it had been cashed on XX/XX/2022. 

Barclays ' case ID # is XXXX. I have sent XXXX emails to : XXXX. So far they have ignored my claim. This seems strange but the fact that they have a specific department for these issues leads me to believe the problem may be systemic. 

I am shocked by their conduct in the matter.
Consumer complaint received 2024-06-04
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. (PA)

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, XXXX and TransUnion. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Consumer complaint received 2024-05-17
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 am formally contesting and urging the immediate removal of the fraudulent account from my credit report. This dispute stems from a clear case of identity theft, for which I have lodged a formal complaint with the Federal Trade Commission. Additionally, I have contacted the banks linked to the fraudulent account. 
The banks have acknowledged the legitimacy of the identity theft report and have acknowledged a potential system error that has obstructed access to the records. They have assured me that the fraudulent account, which has erroneously appeared on my report for over five years, will be promptly eradicated. 

However, despite assurances, this fraudulent account still persists in my report under your bureau. I am concerned about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account following the submission of necessary documents. What steps are you taking to address this issue? 

XXXX XXXX.
Consumer complaint received 2024-05-17
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. (FL)

I am writing to formally request the removal of certain unauthorized credit inquiries from my credit report. I have reviewed my credit report and found that there are several inquiries listed that I did not authorize. 
According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, when inaccuracies are identified, they must be promptly corrected or deleted.

15 U.S.C. 1681e ( b ) states : " 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. '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states : " ( A ) In general. If, 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. '' The inquiries in question are : 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 XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 I submitted a complaint to the CFPB, Equifax responded in XXXX of 2023 stating that they are reporting my information correctly. ( not true ) The information remains the same.
Consumer complaint received 2019-06-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I was going through eviction in my old apt ... .went to court and the judge and the apt building lawyer said I owe a total of {$1100.00}, Court order. But XXXX office mgr sent pro collect {$3400.00}. As for as I know a office mgr is not higher than a judge and his court order.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GU)

A synchrony care credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. 

- Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even Synchrony - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GU)

A XXXX XXXX  credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. 

- Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even XXXX - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (PR)

Expirian is providing wrong information and this is affecting me seriously. I had contact the creditors and they assure that there is no negative information on may records. I need this to be removed from my record
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (OK)

I am filing this complaint to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Ability Recovery Services. This company has repeatedly contacted me regarding an alleged debt without my explicit consent, which is a clear violation of my rights under the FDCPA.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but XXXX and Equifax report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (IN)

I recently won a $ XXXX {$9.00} XXXX default judgment against the XXXX  XXXX XXXX XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX. 

I sent AmEx the Default Judgement award at the XXXX email. 

I am a Platinum Card holder at XXXX, and I have to financial hardship primarily because of my environment and future career prospects. 

I am hoping because of my Platinum status that AmEx advertises and contracts for is like no other and a card that I can never loose, like all similarly situated customers, that my Platinum card membership would remain active, even I can not have new charges on it. Although, I think the Platinum card allow up to $ XXXX in charges before being frozen or sent to collection. 



XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, I have enclosed to Equifax that these loans was unauthorized by me from XXXX XXXX opened on XX/XX/year> and XX/XX/year> in the amount of XXXX and XXXX. I enclosed a copy of my identity theft report supporting this, yet they have yet to help in the situation. Also there were inquires that was unauthorized supported by my identity theft packet, XXXX  date XX/XX/year>, XXXX  date XX/XX/year>, XXXX XXXX  date XX/XX/year> and XXXX XXXX XXXX date XX/XX/year>.
Consumer complaint received 2024-01-15
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. (TX)

I received a notice from Resurgent Capital Services/ LVNV Funding LLC that they own an account from XXXX XXXX which has a debt in the amount of {$3900.00}. This account is a result of identity theft and do not belong to me. I have not authorized or did any transactions with XXXX whom your company has obtained this fraudulent debt from nor have I had any transactions with your company Resurgent Capital or LVNV Funding LLC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


SUMMIT ACCOUNT RESOLUTION
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (CA)

THIS IS NOT A DUPLICATE ACCOUNT. HOLLOWAY CREDIT SOLUTIONS, XXXX XXXX XXXX XXXX XXXX, AL XXXX This company is trying collect a debt that I do not owe. The have not provided me with a debt validation letter. They can not prove this debt belongs to me. THEY ARE NOT LICENSED TO COLLECT IN MY State of California. They have state to you that they would send me a debit validation letter and have failed to do so. 
HOLLOWAY SOLUTIONS REFUSES TO SEND ME A DEBIT VALIDATION LETTER AND MARKS MY COMPLAINT AS A DUPLICATE!