davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, XXXX, and Equifax to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-02-17
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: EQUIFAX, INC. (CA)

I am writing to request the method of verification for dispute initiated on XXXX/XXXX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX 2. Account # XXXX 3. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXXXXXX XXXX XXXX XXXX with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (SC)

Upon reviewing my consumer report I noticed several inquires on my report in which I did not authorize. There is a Security Freeze on my accounts which states the following ; " Before issuing credit, call me at XXXX. This process was not done.I was not called.
Consumer complaint received 2023-11-28
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. (NC)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (AZ)

Wire transfer returned but not reported for days. At first they didnt know, then they sent it back, then they returned it they said my account was not available for Wire transfers. I never knew that and they never called me. The sending bank was not notified for three days and by then the long weekend was upon us. I have been with out my XXXX dollars for 5 days now. I finally got them a federal transfer return number and they issued a check that was overnighted but then Chase would not cash it and wanted to hold it for another 10 days.. Chase is fired and I still have no access to my money 5 days after the original wire. There was non-disclosure, dishonesty and they simply sucked up that money for the entire 5 days the original bank will not get their money back until Tuesday the XXXX and were out XXXX for that time as Chase was making interest on money that was not theirs. I plan to charge them for everything. My time, the overnight, and the money I could have made with the XXXX for what will be an entire week until I can get another wire transfer tomorrow to another bank and another account .they are sorry.. yes and they are sorry they know they screwed up by not contacting me but there is nothing the Saturday manager could do about it.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Consumer complaint received 2023-11-28
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. (FL)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (NJ)

In short I went to pay my mortgage on the XXXX of XX/XX/ and was not able to make payment because the website was not working. I thought nothing of it as it said try back later. A few days later I tried again and got same message. At this point I called on the XXXX and talked to an agent telling me the that XXXX XXXX XXXX was cyber attacked and it affected LoancareXXXX XXXX mortgage XXXX I was shocked because there was absolutely no communication with us as consumers. I had to go find facebook groups and reddit to actually get information on the issue. We did not receive and email, phone call or letter explaining the situation. As the XXXX of the month of XXXX approached many people started to panic as to if they should make a payment to a new website were they were asking us to give our banking information. Many people obviously were very hesitant because once again we got no communication. We were informed there will be no late fees or credit reporting during this time, but again this was only by word of mouth from other customers as we could not get through to talk with anyone on the phones as many of us were hung up on every time we called. We have no idea if our identities or banking info or anything else that goes along with this has been compromised. We as customers deserve to know what was going on and the way this situation has been handled is absolutely awful. We still at this time XX/XX/ are left out in the dark with what is actually happening. Most of us are just hoping our payments were accepted and some are just waiting in out in hopes it will get fixed and they won't be held accountable for not paying.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APPLE RECOVERY SERVICES CORP (CA)

Today, XX/XX/2023, I received a call followed by a message ( Attached ) from a person called XXXX XXXX, who said there was a matter in his office that required my immediate attention and left his phone number and extension. I called him back, and he told me that I was in a recorded line and claimed that I had a XXXX  XXXX  back between XXXX ; I owed money to the card and had to pay a balance of {$5600.00}. He threatened to report the issue to the Credit Bureau and take me to court if I didn't pay. I asked him to send me all the XXXX XXXX documents, records, and transactions that prove his claims and his company 's claims. 

The documents I asked him to send me are : 1. Documents to prove the XXXX XXXX is mine. ( By the way, I don't have a XXXX XXXX ) 2. Documents to prove transactions with the amount he claimed and also show my signature. 

He sent me an email ( Attached ) without the required documents and transactions I asked him for.
Consumer complaint received 2023-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting non mailable addresses that is causing me harm. I have sent numerous documents proving my address and Experian continues to report inaccurate information. My correct address is XXXX XXXX XXXX XXXXXXXX TX, XXXX. My name is XXXX XXXX. Please stop reporting any other information as it is not correct. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-12-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (OK)

The apartment complex where I stayed from XX/XX/2017 to XX/XX/2017 said I failed to give them written notice before moving out. So they request that I pay them for the XX/XX/2017 rent and that I owe them {$300.00}. However, with interest, that amount has ballooned to {$390.00}. 
I have documentation that proves that I gave them advance notice of 30 days and that the apartment manager acknowledged that notice in writing. I sent I.Q. Data International all the information five years ago, and they still refuse to remove this adverse information from my credit report, Moreover, I even offered to settle this debt on the assurance that they would remove the information off my credit report. But they have refused for over five years. Furthermore, the statute of limitation has run on this debt in Oklahoma and they are unable to collect it through the courts. I need help getting this debt off my credit report.
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Farrell Holdings, LLC (CA)

I sent a validation letter with RRR : XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX and XXXX XXXX the CEO and in their non response to my letter they retaliated by stealing the vehicle in question. I also sent them a fee schedule and invoice for prior violations for the amount of {$6700.00}. And notified them if they stole the vehicle a extra {$50000.00} will be added to the invoice. And I am entitled to all funds the funds they have acquired from me for the past year totaling {$6000.00}.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights...

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Returned product to XXXX XXXX  XXXX on XX/XX/XXXX. Filed a dispute through Bank of America on XX/XX/XXXXXXXX  after XXXX XXXX  XXXX refused to give me my money back. They now have all product and my money. I have called B of A every other day since I filed the claim. I am told something different every time I call. I was told claim was denied that merchant is stating I never returned product. I refused to sign paper as they only wanted to credit me for 35 cases. B of A had told me 4 different times that they have requested refund from bank under a hardship clause and have expedited process and I would receive response and credit within 24-48 hours. They had me fax them my proof of purchase, XXXX  payment to movers who loaded product on truck to return, sworn statement from mover confirming this was done, printed voicemail from XXXX on XX/XX/XXXX telling me to come back and pick up product that they had taken back, police report. B of A told me as soon as I faxed them these documents that was all they needed to process my credit if {$5400.00}. I faxed them every document they requested on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  from B of A branch on XXXX and XXXX in city of XXXX CA at XXXX As of today XX/XX/XXXXXXXX  I have not received any response or refund as promised. I have not been contacted by B of A since XX/XX/XXXX. When I call they tell me to check to online message center that has not been updated since XX/XX/XXXX. I have received no written response or have not been contacted by B of A since this all started on XX/XX/XXXX. Neither a hardship or expedited action had been taken and because they wont refund or issue any kind of credit I am facing eviction from my home on XX/XX/XXXX. I have explained this to them and what a desperate situation I am in and have begged and pleaded for their help with this situation and the only response I have gotten when I call is straight out lies from employees, wrong information and XXXX response from manager that is supposedly reviewing my case. The management dept, I am told, is not reachable by phone or email and agents are not allowed to contact them and that I just need to wait until I hear from them, but in the meantime I should keep checking my accounts for a refund that I now know is not coming. I have based life changing decisions off of what I have been told only to find out that I have been misinformed and flat out lied to. I am XXXX, this is all the money I have in the world and am facing losing everything. I have explained this every time I have called with XXXX response and now Im out of time. Im going to lose everything and end up homeless
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As of XX/XX/2023 a settlement was agreed on this case and the case was settled for {$1500.00}. Therefore the {$5500.00} shall be remove from my credit report since an settlement has been agreed upon.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent my FTC report. Along with my license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX  XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to " suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX  XXXX XXXX asking them to validate this accusation of " suspected fraud '', and their response was that I did not follow the " overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. 

I have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX  XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX  XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (MD)

======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS