davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX XXXX is a direct violation of the XXXX XXXX XXXX. As original creditor I was denied an extension of my own credit. Upon asking for original note because the company is for profit corporation I did not authorize the sell of my security. I was told we would not get the original back. I have the prospectus form that outlines the receivables and for investors to be compensated. American Express is an bank an is not Authorized to deny me any amount of credit. This application has been securitized. American Express admits to selling my securities to a number of different underwriters stating and I quote Under the terms and subject to the conditions contained in a terms dated XXXX XXXX which incorporates by reference the provisions contained in the document entitled " American Express Company -- Debt Securities -- Underwriter Agreement Basic Provisions '' filed with the SEC on XX/XX/2015, we have agreed to SELL to the underwriters named below, for whom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are acting as representatives, the following respective principal amounts of the notes. So that's just a minimum to a larger scale of fraud to deny me and blame an credit score and not realizing you just discriminate against me and stole my securities and sold them for profit.
Consumer complaint received 2024-01-09
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. 

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 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 2024-01-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract between Me and XXXX XXXX XXXX  stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. I have requested XXXX XXXX XXXX and EQUIFAX to provide license to collect a debt in florida, also the dates of the license and the name on it. Neither was provided, but yet EQUIFAX continues to report XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX, Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Upon reviewing my updates, the incorrect information and accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ON XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-09
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: TD BANK US HOLDING COMPANY (ID)

TD auto in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not consent to authorize nor benefit from this account. Block and remove it. Please remove this fraudulent, inaccurate account as I do not know of anything about this account, and absolutely a result of XXXX XXXX XXXX data breaches/ identity theft. It's currently being investigated by the FTC. 
According to FCRA 605 ( b ), this information must be blocked immediately until the investigation is over. 

Account name : XXXX XXXX Account number : XXXX Account balance : {$4600.00} Date opened : XX/XX/2XXXX XXXX
Consumer complaint received 2024-01-09
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-09
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. (TN)

i was view my report notice so problem on my consumer report notice some account not belong to me so inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I lost my wallet and it had all my information with it in there like my ssn card and my license someone opened a Bank of America account in my name which who I dont bank with just need you guys to put a alert out for me clarifying that Im not opening any accounts thank you
Consumer complaint received 2023-05-08
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

My loan was transferred to Loancare on or about XX/XX/2022. Since then my payment is listed incorrectly. I have placed several calls and each time I was told to wait as my loan was being " reviewed ''. To date, nothing has been corrected. The main issue appears to be with my escrow. I received a check from Loancare for approximately {$5300.00}. However, this now means I have very little to almost nothing in escrow. As my taxes and insurance come due, I will not have funds in escrow to cover those amounts. I assume my payment will then jump from the incorrect amount of {$1600.00} to who knows what. I used to pay $ XXXX. Nothing changed, just the servicing and now I have a {$5300.00} check and my payment went from {$1800.00} to {$1600.00}. Additionally, I can't make an online payment for some reason as the " scheduling is currently unavailable ''. I'm not calling in an wasting my time anymore. They need to fix this now.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. Also said negative item is open, with late payments on my consumer report which VIOLATES my rights again 15 usc 1666b. I have requested XXXX XXXX XXXX XXXX license to collect a debt in XXXX, also the dates of the license and the name on it. Neither was provided, but yet transunion continues to report XXXX XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX XXXX account # XXXX. Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc. (MA)

Valon Mortgage is the institution. My loan was sold to them for servicing. They have repeatedly failed to post payments sent via PRIORITY Mail with tracking, in a reasonable or timely fashion. XXXX payment was sent XX/XX/XXXXXXXX USPS Priority tracking says it was received XX/XX/XXXX. To date, XX/XX/XXXXXXXX they have failed to post the payment. Even with consideration for the holiday, theyve had from XXXX to post the payment. I have repeatedly called, spoke with multiple agents, and their response is that they filed a ticket and have 3-5 days to respond. I provided support documentation of the tracking and receipt. I was told if i didnt like it I could issue a stop payment on the check. 
This has been an ongoing battle for 18 months with this institution as they are trying to force online banking which I refuse to do. 
They have legally failed to meet their obligation in locating and posting what was a timely payment. Their response to my concern has been dismissive. 
My next filing will be to the FTC.
Consumer complaint received 2023-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute the consumer report inquiries conducted on my behalf without explicit permission. I did not authorize of any such investigation, and I request immediate deletion and clarification of this matter. I have filed a complaint with the FTC.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had got an email stated that Transunion had block a inquiry on my credit because someone stole my Information and try to open up account in XXXX  with XXXX XXXX XXXXXXXX. Which I dont live in XXXX  XXXX Transunion is no monitoring my data correctly and Im ready upset that they didnt handle this matter in correct away. Please do a full investigation on this I have proof that I live in XXXX XXXX that they can remove that hard inquiry off my report
Consumer complaint received 2024-01-09
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (VA)

- End of XX/XX/2023 I called XXXX XXXX XXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from XXXX XXXX XXXX, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC (IN)

I believe the case started 20+ years ago. My original debt was with XXXX XXXX Credit Card. At the time I had a {$300.00} limit and lived in Illinois. I would like to stop the garnishment of my wages as I am barely able to pay my bills.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (GA)

I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. ON XX/XX/XXXX I sent in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove instead they avoided my request and updated it with the credit reporting agencies as verified yet they have no proof, I will not accept any billing statements or account summaries because those are not correct requirements for proof of debt validation. MEDERIAN FINANCIAL SERVICES does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit that has nothing to do with me. They are also using my non-public information without my consent and authorization fraudulently reporting false Information.
Consumer complaint received 2024-04-06
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)

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,