davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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 feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-28
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 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 2024-04-26
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. (GA)

According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX  Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 121 written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I have received a copy of my credit report on XX/XX/18 and to my surprise I noticed that 3 XXXX XXXX XXXX accounts has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights. 

Upon deleting this account, please send me an updated copy of my credit report with the updated deletion to the address above. If action is not taken regarding this matter, I will forward this copy to the CFPB as well as the FTC and file a formal complaint.
Consumer complaint received 2020-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

Was scammed over cash app. I attempted to try and talk to a representative but they all sent me the same generic response. Id like my XXXX back. I was scammed and I asked a refund and they denied it. Horrible customer service impossible to acty have a conversation
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX BANK 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 XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed three accounts from XXXX that are being reported on XXXX, XXXX and Trans Union incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.
Consumer complaint received 2024-04-26
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)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-01-06
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. (DE)

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct.

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (LA)

I closed the account in XXXX. I sold the property in XXXX. I received a collection notice in about XXXX regarding an unpaid XXXX XXXX XXXX and XXXX bill from XXXX. I disputed and questioned the validity not get resolved.
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America I put in my minimum payment of XXXX and they then did a second payment of XXXX without my authorization. I called they said they would reverse it but I have a feeling it will take a long time to process the reversal. I want to submit a complaint to ensure the reversal will happen in a timely manner. The payment of XXXX was never authorized by 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

According to 15 USC 1681e- Compliant procedures, 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 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-25
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)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 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 these accounts ( A ). It is not permitted to report these accounts 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft, while I was serving in the military and working as a XXXX XXXX There are 2 items on my I did not authorize and I am having a major issue with Equifax resolving the problem. I reached out to XXXX XXXX and XXXX XXXX XXXX and was informed by them that these accounts were fraudulent. I was provided with documentation that they were a result as fraud and was removed from their records. I am enclosing it into my complaint.
Consumer complaint received 2024-04-26
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. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX XXXX  XXXX account XXXX i am asking you to verify as accurate
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have dealt with the issue for over 6 months and made phone calls for over 20 times. Every time this bank made a new story about they were processing it and asked me to wait 48 hours or 7 to 10 business days and nothing ever happened. I keep calling and they keep doing the same thing over and over again in a pattern of infinite loop. They told me they may have a system problem and they are trying to understand it. I am pretty sure it would never resolve it without going through legal help
Consumer complaint received 2024-04-26
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. (AZ)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-26
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)

To whom this may concern, I want to first thank you for looking into this matter. This account shows in accurate information and should be removed immediately. I have attached an image of my most recent credit report, and as you can see, this account is not accurate across all three credit bureaus. I have reached out to the credit reporting agency multiple times, and I have not gotten a response. Please provide information showing accurate information. By law all inaccurate information must be removed from credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please remove from credit report.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/year>, I submitted a formal debt validation request to Resurgent Receivables LLC regarding an alleged debt of {$910.00}. Despite this request, Resurgent Receivables LLC has failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, Resurgent Receivables LLC is not licensed to collect debts in the state of Georgia, making their collection activities unlawful. In addition, they have reported inaccurate information on my consumer credit report, causing significant distress and potential financial harm. 

I have made multiple attempts to resolve this issue directly with Resurgent Receivables LLC, including sending a debt validation and cease and desist letter on XX/XX/year>. However, they have ignored my requests and continue to engage in illegal collection practices. 

I seek immediate cessation of all collection activities by Resurgent Receivables LLC, permanent removal of the alleged debt from my credit report, and compensation for the distress caused by their repeated violations and non-compliance.
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-25
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. (MN)

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 2024-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Cap One Auto opened : XXXX An auto loan has been opened under my name as a result of identity theft. 
Ive never authorized this inquiry nor loan Ive never received any authentication, or mail on this matter I have never signed off on the right for this company to report my information or sell my information to another company. 
Ive filed an FTC report on the matter which i've attached below This debt is not mine and a result of identity theft.
Consumer complaint received 2024-04-25
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION (UT)

Zions Bank processed checks and deposits written against my account. The XX/XX/year> transactions show they deducted {$2400.00} for check XXXX XXXXXXXX and {$1400.00} for check XXXX XXXXXXXX. The visual of these transactions shows the real check XXXX XXXXXXXX for {$2400.00} and the other is XXXX checks stuck together my check on top of a check from XXXX XXXX for {$1400.00}. Zions Bank Customer Service on the phone Saturday, XX/XX/XXXX, said they had never seen this before and that the bank had made a mistake. The {$1400.00} was deducted from my account in error and would be reversed ; but I had to go the branch in person to request this reversal. Monday, XX/XX/XXXX, I went to the Branch and spoke with a teller and the Branch XXXX of the Zions Bank XXXX XXXX XXXX in XXXX XXXX XXXX They also said they had never seen this and assured me the {$1400.00} would be deposited into my account reversing this error. They said it would take a day or XXXX. It is now, XX/XX/XXXX and the money has not returned to my account. It is Zions Bank error entirely!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.