davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Dear ChexSystems, I am a victim of identity theft. The information listed below, which appears on my chexsystems report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Digital XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX. ] Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 6058 of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furbisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. A Subject to section 1681-3 of this title, any ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Ennoblement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ [ 15 U.S.C. 1681n ] My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXXXXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc (KY)

I have a CHIME account..I put XXXX on the card..they will not let me access account..I have called..I sent documentation requested and now feel my information has been compromised.. 

Since I have lost my money due to..According to them..I am not who I said I am..I have been me for several decades..
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I bought a vehicle from U.S Auto Sales. The dealership abruptly closed and transferred all loans to Westlake Portfolio Management ( collection agency ) instead of their auto loan department. My Car was wrongfully repossessed and I had to pay XXXX on XX/XX/year> to get my car back and my car was returned on XX/XX/year>. XXXX has added to my credit report the account was closed on XX/XX/year> due to a repossession. My car is still in my possession registered and insured. I have requested they send me my title since I do not have a contract with them and the dealership is closed. They are still trying to collect on this after they reported the account as closed with a balance over XXXX. I tried requesting a contract from them several times since the loan was transferred. I was told I do not have a contract with them. They are ruining my credit with their wrongful reporting.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (MI)

I am writing to bring to your attention the matter of a debt validation letter sent to Rent Recovery Solutions on XX/XX/year> pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/year>, I sent a debt validation letter to Rent Recovery requesting that they validate the debt they reported on my credit report. I requested all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

Unfortunately, the documentation they provided in response was incomplete and did not meet the requirements as specified under 15 USC 1682 ( g ). This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is crucial for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Rent Recovery Solutions with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act ( FDCPA ).

I kindly request that the CFPB take appropriate action to ensure that Rent Recovery Solutions complies with federal law and provides the proper documentation requested in my debt validation letter. This will help ensure that my rights as a consumer are protected and that any attempts to collect a debt from me are legitimate and lawful.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (NV)

Get these perjurous panhandling frauds out of my inboxesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-21
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. (MD)

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 The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2024-07-15
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. (FL)

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that I have a debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shortly after that, I received another letter stating that I must appear in court discussing this debt on XX/XX/XXXX. After I found out about this, I asked where I should go to report that I had not opened any account and had no debts. 

I went to the police and requested a police report to confirm this transaction and credit as fraud. After that I called the bank to report that it was fraud since that I had not taken any loans. I also requested information regarding the loan and they responded with an address that belongs to my ex-husband, as well as the residential address of his parents. and that the loan was sold on XX/XX/XXXX to creditor LVNV FUNDING LLC. 
At the time of the creation of the loan I was living at a different address.
Consumer complaint received 2024-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I paid {$8100.00} to my XXXX loan ending in 1982 instead of paying to my XXXX ending in XXXX. I called the loan department to transfer the payment to my visa ending in XXXX and they said it would be quicker to refund to my checking account. 7 days and 3 calls later, it hasn't been done. Keep getting put off. '' Wait a couple more days ''. I ended up paying my visa out of savings. I need to put those savings back.
Consumer complaint received 2023-08-05
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00}.
Consumer complaint received 2024-03-03
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)

There are credit inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX, Transunion I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Consumer complaint received 2024-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (CA)

I looked at my credit report and saw that this loan along XXXX the address XXXX XXXX XXXX XXXX was on file as my address. Ive never lived in NJ. Ive lost countless passports IDs and social security cards over the year. This is fraud and XXXX paying for this.
Consumer complaint received 2023-12-29
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)

In accordance with the fair credit reporting act account : - XXXX  XXXX BANK XXXX XXXX Date of Inquiry XXXX, - XXXX  XXXX BANK XXXX XXXX XXXX XXXX Inquiry XXXX, - XXXX  Date of Inquiry XXXX, Has violated my rights.

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
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

On XX/XX/XXXX my Cash App account was hacked and all my money was transferred out of my account. On XX/XX/XXXX I contacted support and was told that the security break must be on my end suggesting that it was my fault, I then spent the day resetting every security system and password I have from my bank to my email to the app itself. Within 12 hours my account was hacked into again signaling a fault on CashApp 's part. I then called on XX/XX/XXXX and was unable to get through their system so I requested a callback. On XX/XX/XXXX I called again and asked for a response from a manager via email and I received nothing. On XX/XX/XXXX CashApp denied my fraud claim stating that I authorized the payment once again choosing to blame me. I then called again on XX/XX/XXXX and was told I would get a response again, but i received nothing again. After a 44-minute call on XX/XX/XXXX, I was finally able to get to a manager and they had technical difficulties. That manager then stated they would have their supervisor reach out to me, and that supervisor then reached out to me stating that he wasn't able to help even though the only reason I was transferred to them was because they could help. After pointing out the issues in his statement he was magically able to help me. This entire company is fraudulent and can not be trusted with people 's information, let alone their money.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-23
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 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 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (MO)

The CBE Group , Inc. or CBE companies are calling day and night like crazy.

Looks like it is a robocall and a harassing technique.

I have no idea why they are harassing me.