davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
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)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( 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.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Please fix
Consumer complaint received 2024-01-07
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. (NY)

My information was sold and bought illegally multiple times since XXXX  to XXXX  because I was a victim of the Equifax data breach. I want XXXX XXXX XXXX XXXX XXXX account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX unknown acct number but shows on XXXX XXXX  system. 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. The engagement # XXXX with Equifax were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-07
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. (TX)

I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and 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. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

To : BANK OF NEW YORK MELLON 1 ) XXXX I made the assignment to XXXX bank ( XXXX ) to transfer XXXX XXXX to XXXX Bank ( XXXX ) due to the fact that these banks weren't on sanction lists at the moment. XXXX XXXX was sanctioned only on XXXX. 
2 ) XXXX Freedom bank without my assignment decided to send the funds via XXXX bank 's correspondent account in BANK OF NEW YORK MELLON, I guess due to the fact that XXXX bank was sanctioned only on XXXX. 
3 ) But BANK OF NEW YORK MELLON blocked my funds with no reason till the moment.

4 ) The funds are not intended for government or other related activities. Please allow sending the funds to my account in Bank XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I had a business checking account as well as a personal checking account. My phone, wallet and cards were stolen and used without my permission. I contacted the bank, and provided documents and information on the charges to the branch. They never responded. They stated they tried to call me but I never received the call. This could have been before my phone was replaced. I still have not got my disputes resolved. They stated in the previous response I need to provide more info but when I call the customer service dept they dont help me.
Consumer complaint received 2024-02-04
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: OneMain Finance Corporation (NY)

Unauthorized credit inquires on my credit report i have no knowledge of. 
ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX ONEMAIN FINANCIAL ( Finance ) 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 2024-01-07
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. (TX)

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and 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. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (TX)

The reporting of the account from POSSIBLE FINA ACCT # XXXX ON XXXX XXXX AND ACCT # XXXX ON XXXX XXXX  {$300.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX XXXX, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.
Consumer complaint received 2024-01-07
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX listed on XXXX as a collection account, not reporting accurately to XXXX, spoke with XXXX who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.
Consumer complaint received 2024-01-07
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)

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 Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXAccount name : XXXX Account name XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX Account name  : 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 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. 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 instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO GET AN AUTOMOBILE IN MY NAME. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : BRIDGECREST # XXXX XXXX XXXX. XXXX I FOUND OUT AFTER I LOOKED AT MY CREDIT REPORT.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXXXXXX  to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.
Consumer complaint received 2024-01-07
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. (MN)

Hi i'm reaching out today because the credit reporting agencies are still reporting a illegal charged off account on my consumer report. I have made multiple complaints in regards to this account yet the law is still continuing to be broken. The continued reporting of this account is a direct violation of 15 USC 1681b as I never gave written consent to any of the major credit reporting agencies to report this account on my consumer report. This is also a direct violation of the privacy act of 1974 as I was never informed of my right to opt out of the reporting of this account. This is my formal notice that i'm opting out of the reporting of this account.
Consumer complaint received 2024-01-07
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. (CT)

The law of permission purpose 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law 1681c-2 stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

" I am writing to dispute the claim made by National Credit System asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

On XX/XX/2016 My information was used fraudulently to open a car loan with my personal information. The thief stole my info and opened this auto loan and I have not given anybody authorization, I dont know how my information was stolen, and I dont know who the thief might be. Please process a block on these accounts its outrageous!
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been trying for over a year to cancel a product service called XXXX XXXX. They span you to enroll then make it impossible to unenroll from denying all 2 step verification with the exception of email verification that's not even an option. They have links that say that you can use 2 step verification by authorizing s new phone number, that doesn't work either. They won't let you change phone numbers! There are numerous system errors occurring presently and the reps on the phone c9uld neither update my phone number and VERBALLY CLAIM to have canceled the XXXX XXXX enrollment yet refused to send any type of confirmation via any method. She did however provide her employee ID supposedly at XXXX XXXX pm today XX/XX/XXXX. However she said the enrollment is slated for deletion and it takes 3-5 business days however, no confirmation is sent by the company that a consumer has Ben unenrolled XXXX I fell that they have not done so and will continue to have access to my credit file. Furthermore, their verification system is down and they had me send a copy of my front and back image of my drivers license prior to my speaking with that supervisor who claims to have accomplished the enrollment. I do not feel that this company is handling consumers personal information properly and it may lead to identify theft.
Consumer complaint received 2024-01-07
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)

Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (LA)

CFPB Complaint : IC Systems Inc.

Introduction I am filing a complaint against IC Systems Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Debt in Question Briefly desribe the debt ( e.g., utility ). 
State that you are unaware of this debt.

Issues Lack of Five-Day Notice : I did not receive the initia written notice required by the FDCPA within five days of the first attempt to collect the debt.

Dispute Opportunity : I was not provided a reasonable opportunity to dispute the validity of the debt.

Improper Notification : I did not receive proper notification regarding the collection of this debt.

Missing Proof of Notice : If IC Systems Inc. believes they provided proper notifiation, I request a certified receipt with my signature as evidence of delivery.

Request I request that IC Systems Inc. cease all collection activities related to this debt until they can validate the debt and ensure they are following the FDCPA.

If the debt is found to be invalid, I request that IC Systems Inc. remove any negative information reported to credit bureaus.

Additional Information Conclusion Thank you for your time and attentio to this matter. I look forward to your investigation and a resolutio to this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note : ID and Proof of address
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (FL)

This account has been placed on my credit report after speaking to a lawyer I found its illegal to share any and all medical information to anyone. Medical Data Systems is in violation of my rights I intend to let my lawyer handle this matter if this account is not deleted immediately.
Consumer complaint received 2024-01-07
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. (MD)

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.