davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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. (GA)

HI I AM 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.
Consumer complaint received 2024-04-05
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. (NY)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them.

I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. XXXX is the only credit reporting agency that did so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXXXXXX.
Consumer complaint received 2024-01-18
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : MEJMC/CBNA Important dates Inquiry date XXXX XXXX, XXXX Title 15 accuracy of reports.

There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Consumer complaint received 2024-01-18
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I sent a certified letter with return receipt to bank of America, the address they list online for checking and Billing Inquiries listed below. The letter contains all relevant details needed to file a dispute. 

The original letter is attached with this CPFB complaint and was sent on XX/XX/2024 to : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX With Certified tracking USPS # XXXX The letter was delivered on XX/XX/2024 and signed for by a Bank of America employee at that address well within 60 days of the original charges I am disputing. 

I also have the return receipt in my possession which shows a bank of America employee signed confirming receipt of the disputed charge letter. I will attach a picture of the return receipt in the documents of this CFPB complaint. 

After nearly 40 days of no correspondence ( Regulation E states Bank must acknowledge your dispute inquiry within 10 business days ), I filed a XXXX   complaint stating that they ignored by dispute charge inquiry letter. I filed the XXXX  complaint on XX/XX/2024 - XXXX  Complaint ID : XXXX A Bank of America Enterprise Resolution Specialist was assigned to my case and called me on Wednesday XX/XX/XXXX. She notified me that their dispute resolution department showed no sign of a dispute and she couldn't do anything about my case. She said I had to file one by calling Bank of America myself. Since the charges are now over 60 days old, the claims department won't let me open the dispute. They said they have no letter from me - despite me sending one and having it signed for, which is well within my legal rights to dispute a charge. 

I spoke with the same Bank of America Enterprise Resolution Specialist and told her that they wouldn't help me dispute the charges. She said she would try on my behalf. After a day, she called me back and said she is unable to file a dispute on my behalf. I told her that this is a violation of my legal rights because I already opened the dispute via sending a letter, which she understood and apologized for but did not give me any options to escalate it.
Consumer complaint received 2024-01-18
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)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report 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 XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Consumer complaint received 2023-05-26
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. (GA)

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (IN)

AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Has fraudulently attempted to collect a debt without verification of the debt under the disguise of the XXXX XXXX XXXX XXXXXXXX XXXX Attorney at law. Amsher has placed a negative item on my credit report without ever sending me anything in regards to this matter. I have confirmed that the XXXXXXXX XXXX XXXX XXXXXXXX XXXX is not licensed in the state of Indiana to practice law. I am demanding that Amsher remove the negative item from my credit report and send me proper documentation of the debt that they state I owe. 

On XXXX XXXX I first had a phone call from XXXX XXXX XXXX at XXXX. 
On XXXX XXXX Amsher added a negative item on my credit report. 
On XX/XX/2024 I received a debt validation letter from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I have never received a debt validation letter from Amsher and have no idea who this company is. 

There has been numerous complaints on both of these companys through your agency. 


.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On Sunday XX/XX/XXXX porfolio recov assoc XXXX XXXXalling harassing me about a debt I don't owe under a name that I don't recognize I tried to tell this people to stop calling me but they kept on going.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

i bought a house as a va foreclosure in and around XXXX then in XXXX i refinanced it with XXXX who in turn sold it to countrywide mortgage who went bankrupt during the recession of XXXX during all of this transferring through the years i paid my insurance and taxes without an escrow when the loan was originated this was agreed to by all of the transfers. then it was with XXXX XXXX XXXX i paid my taxes and insurance, i dont know what happened but sps servicing ended up servicing my loan. the first thing they do is request and sign me up for escrow against my wishes. i told them by law if at origination of the loan if it was in closing papers that person who has the loan they are not to change this unless you refinance with a new bank or taxes are in arrears. i have been dealing with this for the better part of XXXX years, me and sps are paying the taxes right. i have never missed a mortgage payment or failed to pay my taxes when due. so the past few months sps has been charging me a late fee when i have been paying my rent on time when there should only be a late fee after the XXXX of the month. im sending a file with this complaint and you will see the late fees.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SC)

I received a letter dated XX/XX/XXXX from CHASE requesting additional documentation to complete an application for a CHASE Freedom Flex World Elite Credit Card. I DID NOT submit an application for a card and thus did not provide the requested documentation ( driver 's license, current billing address proof ) Per CHASE The XX/XX/XXXX application was denied. However, a card was issued per CHASE representative after the imposter submitted a second on-line application on XX/XX/XXXX using my personal information that was on the first application that had been previously denied but this time CHASE automatically system approved the request for a credit card. I have subsequently closed the account and updated my credit reports but CHASE should have NEVER issued a card.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PlusFour, Inc (NV)

Subject : Formal Notice of Violations and Request for Remediation Dear Plus Four, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Plus Four has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and California Civil Code 1785.25 ( a ). I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Plus Four besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on Plus Four providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( XXXX ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-05
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

There was inaccurate information reported to XXXX by XXXX. RTN/ACCT # : XXXX. XXXX advised me that information was deleted & updated to XXXX but information still remains & it's causing my financial hardship not being able to open any new accounts.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nexum Group Inc (NJ)

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Multiple unauthorized transactions and unusual login attempts have been observed on this account. 

XXXX. XXXX XXXX Auto Account Number : XXXX Fraudulent Activity : Suspicious transactions involving large amounts of money have been detected. These transactions were not authorized by the account holder. 

XXXX. XXXX XXXX Account Number : XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED XXXX XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2024-04-05
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. (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 NumberXXXX 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.