davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX LVNV FUNDING LLC account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following 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
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my credit score, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$35.00} a. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXX CT CA XXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Consumer complaint received 2023-12-30
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)

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX  marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have an insurance claim filed with USAA the adjuster show a replacement cost of {$34000.00} less recoverable depreciation of XXXX less my deductible of {$2000.00} with a actual cash value of {$25000.00}. This check was received on the XX/XX/2024 and overnighted to the servicer on XX/XX/2024. I waited 2 days to call the servicer to ensure that it was processed. In that conversation I was told that because I had late payments, they were going to ensure that the work was completed and subject me to inspections I told them that strangers coming into my house create a problem with my XXXX. The told me that it was their policy, and it seems if I want my house fixed that I would comply. I sent a complaint to HUD under XXXX and now they have responded with sending back {$6300.00} of the {$25000.00} to get my {$14000.00} roof fixed along with all the other repairs that are needed. It seems like retaliation for reporting them for XXXX XXXX XXXX XXXX. It also seems like theft, fraud etc. The money from the insurance company is to repair my house not to safeguard their position with their loan. In addition, it is making it very difficult to get my home repaired. Most contractors don't take a job without the basic amount for materials paid. I can't tell where the problem is but XXXX XXXX has been abusive and difficult the entire time, they have serviced my loan. They don't care about my XXXX ; they constantly send people to my house to spy on me. I see them taking pictures all the time. The XXXX  said that XXXX XXXX has not been reporting this to them, but they are charging me for this. Who knows who is responsible it may be USAA as an insurance company wanting to keep the money in house. Either way my house needs to be fixed and the emotional toll this entire process is taking on me is why too much. A separate issue since I am 100 % XXXX, I am exempt from property taxes for this reason a portion of my escrow was returned to them by the county I have shared with them that I am exempt, and they keep increasing my escrow accounts and I am still paying tax escrow. It's not helping me stay current on my loan with all the additional fees.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

To provide context, I had not used my Chase credit card for an extended period, and I was not in New York for the last six months. Surprisingly, in XXXX, Chase sent out a new credit card without any prior request or notification. Regrettably, this new card was stolen, leading to unauthorized purchases. The situation escalated when the thief managed to compromise my Chase online account, altering crucial details such as my password, phone number, email, and address linked to the account.

Despite having a verbal code established with the Chase security department years ago, the thief successfully accessed my online account, withdrawing all funds from my linked debit account. This is especially disconcerting as it indicates a severe failure in the security measures of Chase. 

Upon discovering the unauthorized transactions and overdrawn account in XXXX, I immediately contacted the customer care fraud department. While some charges were successfully addressed, I encountered significant challenges in resolving others. Chase representatives insisted that certain purchases were legitimate, refusing to cancel charges and refund the amounts covered by autopay, which I had set up as a safety measure. 

The recurrence of such a security lapse is utterly unacceptable. I experienced a similar incident in 2017 when my XXXXhase debit card was compromised, and it is disheartening to witness a repeat of such a breach.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On the morning of XX/XX/XXXX, I called Equifax to confirm if they have received my documentation requesting a name change. They noted that I was missing one document, but they did not tell me I needed this document during a prior call I had with them to change my name. Furthermore, they had the audacity to require me to re-submit this document along with all the other pieces of document that they had already received in XXXX via physical mail. They did not accept alternative methods of uploading this single document, which other credit bureaus like XXXX offered. I requested to make a complaint but their staff told me I would receive a call that explains why they have a policy that puts undue burden on consumers and falls short of industry practice. The case for the complaint is XXXX.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

I received an en email on XX/XX/2023 from Chime stating they were going to take a XXXX out of my account on XX/XX/2023 for a dispute claim # XXXX. I never had a dispute for that claim number. That claim number belongs to a claim for XXXX for XXXX XXXX which I disputed and was denied the dispute. Why I dont know. I gave Chime proof of purchase for the airline ticket and they still denied my dispute.. The XXXX dispute was opened by me on XX/XX/XXXX and closed by me on XXXX the XXXX living no room for a provisional credit to have been made to my account. On XX/XX/2023 XXXX XXXX gave me a refund for XXXX for rebooking for a trip I double booked on XX/XX/XXXX to XXXX XXXX. XXXX was a refund. And I used XXXX XXXX to book another ticket. I have documents for all of this
Consumer complaint received 2024-06-05
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. (NY)

This is very long story and I'm willing to share, however, after hundreds of efforts, my credit reports are only getting worse. I would like to sue all three credit reporting agencies so maybe they will listen to my complains in the court. Thank you
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: EQUIFAX, INC. (FL)

I am writing to bring to your attention a persistent issue on my credit report that requires immediate attention. Despite multiple attempts to correct the matter, a late open account continues to be inaccurately reported, adversely affecting my creditworthiness. 

I have diligently followed the proper dispute procedures, providing supporting documentation and details to substantiate my claims. Unfortunately, my previous attempts have not resulted in the necessary correction, and this inaccuracy remains on my credit report. 

I understand the importance of maintaining an accurate credit report, and the presence of this late open account is causing undue harm to my financial standing. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I urgently request that you conduct a swift and thorough investigation into this matter, with the expectation of the following : I have attached supporting documentation, including driver 's license, XXXX, and Proof of Address. 

I anticipate your prompt attention to this matter, and I kindly request a written response within 15 days, as stipulated by the FCRA. The resolution of this issue is critical to restoring the accuracy of my credit report and maintaining my financial well-being. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$160.00}.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got my Capital one checking account restricted for 5 business days already, the morning it happened I called immediately, the customer service told me my account got restricted due to the XXXX payment i received from my friend who name XXXX XXXX XXXX and told me there is a claim opened from the XXXX payment she sent me which it's {$2000.00} and {$600.00} and asked me to contact my friend, which i did already, and found out she accidentally and was misunderstanding open a claim from her bank with XXXX payment, and she has called her bank to closed the claim, but my Capital one bank account it's still locked and restricted and the {$2000.00} and {$600.00} got reversal
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This particual process is not the basis of my complaint. I feel that I have been dicriminated against by the Credit Bureaus. I am an elderly XXXX male and have been working on my credit for many years and still to this date my score has never been XXXX or higher except one time and that was only with one bureau ( XXXX ) and for one month. All of my account have been paid on time. I have been paying on a house with a {$1500.00} Mortgage ( originally {$1700.00} ) for right at XXXX years and refinanced it twice. I have been paying a {$1200.00} XXXX XXXX for almost XXXX years as well as other high payment accounts, all on time. I have 6 Credit Cards that are almost maxed out, however even when they had large amonts of available credit my score didn't move 1 point but went down after I started using them. One credit card has a {$14000.00} limit and another with a {$7000.00} limit. I didn't use them for 3 months to see if my score would incease with all of the avialable credit. My scores did not go up on either of the bureaus during that time. I have paid off Student Loans as well as other high debt accounts for my score to increase only 3 points. For the longest I was told it didn't change because I had a Bankruptcy on my reports as well as a couple of collections but once they were removed my score still did not go up 1 single point at either bureau. I know this is not the way it is suppose to be. Every time I try to do everything that is asked of consumers the bar get raised even higher to ensure I will never reach it. My scores should well be in the XXXX 's or high XXXX 's at a minimum but as I stated above in the last 8-10 years this is what I have been faced with and the only explanation I can come up with is discrimination. I have never been able to qualify for a traditional bank loan and because of this I have had to resort to small personal loans from places like Finanace Companies. Every bank and credit union requires a XXXX or above in order to get a Home Equity Loan or Home Equity Line of Credit. Conveniently my scores all remain just under that number. Please investigate the actions of the Credit Bureaus because they are definately not doing the right thing for the consumer. Their reporting is not accurate or up to date in a lot of instances and it has been addressed with them. One example is my mortgage got sold to another company and they reported it to the three bureaus but only one of them is actually reporting it, so to anyone looking at my report it appears that I don't have a Mortgage. I was told I need to go back to the Mortgage Company and have them to send a Reensertion Letter. The consumer seems to always be the one to do the extra work instead of things happening the way they should.
Consumer complaint received 2024-01-12
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. (SC)

According to 15 U.S. Code1681b ( b ) the parentage of the consumer for the child to which the obligation relates has been stablished or acknowledged by the individual in accordance with state laws under which the obligation arises the consumer report will be kept confidential will be used solely for purposes described in sub paragraph A and will not be used in connection with any other civil administrative or criminal proceedings or for any other purpose. I also have right to privacy according to the 1974 act to remove child support off my consumer report. Child support is not a loan.
Consumer complaint received 2024-01-01
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. (WI)

In accordance with the fair credit reporting act these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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. (CA)

Consider this an unequivocal demand for your immediate investigation of specific items that I firmly believe have been erroneously reported. These items are not only factually incorrect but are also inflicting severe financial and emotional distress upon me due to their damaging nature. I insist upon the immediate deletion of the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These listed items are grossly inaccurate and demand correction without delay. It is my unwavering belief in the law that mandates your investigation to be completed within a strict thirty-day window. I anticipate nothing short of a prompt response from your end. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I disputed this inaccurate incorrect accounts on XX/XX/2024, despite my efforts to get these violations corrected the companies has continue to disregard my complaints. According to the FCRA 15 USC 1681 E ( b ) ( b ) Accuracy of report 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. These companies are in direct violation.