davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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)

I looked at my credit report on XX/XX/year> and noticed somethings are incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maxium Possible accuracy of the concerning individual about whom the report relates these accts are incomplete and not accurate laws 15 USC 1681s-2-A, 15USC 1681 ( e ) B, 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DMB Financial, LLC (NE)

No response to my question of which debts they said having paid 2 smaller one? Upon recieving a credit report from dept relief program it showed all debts still the same only amounts had increased in dollar amounts due to continued late fees and interest. So in fact they hurt me even worse then original amounts we started with! I was told from the start that i qualified for {$27000.00} i said i didnt need that much reguardless my debt was only XXXX to XXXX XXXX XXXX XXXX After they figuered the amount i was currently paying was {$800.00} + per month that they're loan to me would drop my payment to {$370.00} a month and asked me how that sounded i responded that would be awesome so happy i wanted to cry i even told them that ( embarressingly ) and so i agreed thinking im on my way to being debt free in a couple 3 years right? Wrong, after paying the {$370.00} a month for 10 months then finding out through the other debt relief peogram nothing had changed but gotten worse! I did a deeper dig on DMB FINANCIAL i foubd that they had been sued a couple years prior for the exact same thing they were doing to me so i immediately requested to stop do not do anything from that point! I aso requested an immediate refund minus a small fee im sure they to try and keep. That happened near 2 weeks ago i asked for an update as to where we were on closing my account with DMB and have not got ta a reply as of XXXX I did however get a text message/ voicemail from a female from XXXX XXXX or something but didnt understand it. In result ive seen nothing or have heard anything from anyone! Thank you XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (TX)

I previously entered into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included a lifetime guarantee, in XXXX XXXX XXXX. The company did not fulfill its obligations to me, as my XXXX did not fit and never straightened my XXXX They were responsible for sending another set to ensure the product accomplished the task as promised. However, the company went bankrupt and I can no longer contact them about anything related to the XXXX. The company charged me over {$2000.00}. I was paying in installments through Healthcare Finance Direct, which I believe is affiliated with XXXX XXXX XXXX. I stopped payments last month, as the company I contracted with is no longer providing or servicing the product I purchased and is bankrupt. Healthcare Finance Direct is now threatening to send me to creditors, and will only tell me that the lifetime guarantee I received is no longer valid because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MN)

I am unaware of this debt I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification of this debt please provide the certified mail receipt with my signature on there stating that I received it.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NC)

Cavalry Port Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect and to address what I believe to be violations of my consumer rights under federal law, specifically as outlined in 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ), and 15 USC 1681-s 2 ( 7 ) ( A ). 
Firstly, I hereby revoke all rights for Cavalry Port to communicate with me via email, text, or phone calls regarding the debt in question. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am exercising my right to request that all communications be directed to me in writing only. 

Furthermore, I request that you provide me with the following information : A copy of the purchase agreement between Cavalry Port and the original creditor, validating your authority to collect this debt. 
Documentation confirming that you are licensed and bonded to operate as a collection agency in accordance with state and federal regulations. 
Failure to provide the requested information within [ insert time frame, e.g., 30 days ] will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and seeking legal recourse. 

Additionally, I dispute the validity of the debt you are attempting to collect. Despite my requests for validation of the debt in accordance with the FDCPA, you have failed to provide clear and accurate information regarding the debt. Furthermore, your collection practices have violated my rights under federal law, including engaging in harassing and abusive behavior ( 12 CFR 1006.34 ( b ) ( 5 ) ) and failing to provide clear and accurate information about the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ). 

Moreover, your actions have breached my privacy rights as outlined in 15 USC 1681-s 2 ( 7 ) ( A ). You have disclosed information about the alleged debt to third parties without my consent. 

I demand that you immediately cease all collection efforts related to this debt and provide me with written confirmation that you have done so. Additionally, I request that you provide the requested documentation and comply with all applicable laws and regulations. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (PA)

It has been XXXX months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn XXXX  days and at the very latest XXXX  days.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

My mother 's tax refund check was first sent to a inaccurate card by her chosen tax filing preparer before finally being rerouted to Wells Fargo in XXXX, Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) where it's been held for verification & lack of address history for the past 2 months, which has hindered our ability to pay rent, bills, tuition, etc. My mother has called almost everyday with calls either going to voicemail or long wait/hold times & she's not able to get to the bank in person much due to lack of transportation & a few health issues and appointments. We're both in between a rock & a hard place with the withholding of the check when the IRS has already verified and released the funds to her ; the tax filling company verified, processed, and released the funds, but the Wells Fargo bank had halted the process and it seems like they're in no rush to actually resolve the matter.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Consumer complaint received 2024-03-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Lender : Flagstar Bank Title : XXXX  Title We received our initial closing disclosure on XX/XX/2024. Since then it has changed several times. Finally the lender and title company came to an agreement and they matched CDs. 

Last second before closing on XX/XX/XXXX and XX/XX/XXXX the lender changed the CD and removed part of the {$10000.00} that our seller agreed to give us. This was hours before closing and forced us to reschedule closing. 

Today, XXXX XXXX, we received another CD that was higher than all of the ones before, even the one that reject the portion of the {$10000.00} promised by the seller. Everything they send a CD it goes up and up and up.

They have no resolution for us and we have no clue what's correct.

They have baited and switched us and acted in Unfair, Deceptive and Abuse Practices. 

Attached are XXXX of the CDs we received.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account online. I was first attracted to open the account due to an advertised banking bonus offer. After opening an account, the banking XXXX ( XXXX XXXX XXXX ) told me that I already had an account open the same day. So my attempt online was successful even though it never notified me that it went through online of gave me information on the account online. So it deceived me online and I never knew it was open. He closed the extraneous first account in the branch and told me it should not affect the bonus offer. 
I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. 
The banking offer eligibility website kept saying pending even after weeks and gave me no information on why eligibility review was pending. I called customer service at least 3 times and kept gettin a different response on my the bonus did not come through. The first 2 times it was that it took more time for it to some. The final time they told me to go into the branch to discuss. I went into my local branch twice but the bankers would not talk to me because I did not have an appointment but it does not allow you to make same day appointments. 
I am concerned about the deception with opening the account online and not notifying me it went through and was open and also with the not granting the bonus offer for opening the account.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

I don't recall having a contractual relationship with this collection company. I am requesting to give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 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 2023-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

On XX/XX/XXXX, while in a foreign country I was drugged and my phone was stolen and hacked. Multiple accounts have been breached and accessed. When I attempted to regain access to my XXXX XXXX account on the following day, I got an error message saying that my login information was not recognized. I tried to regain access by requesting a reset link to be sent to my email. I got an online response that it was sent but the link never came. At that point I attempted to call XXXX XXXX at their published number XXXX. The automated message said that the only way to get customer service was to request a call back from the app. However I could not login into the app, because the thieves altered the login info and changed the email and phone number linked to the account. In essence : There was absolutely no way for me to contact XXXX XXXX to report the breach and freeze the account. 

Out of desperation, I created a new account and requested a callback. When a rep finally called back, I tried to explain to her what happened and that I needed to regain access to my old account. She clearly had no understanding or interest in helping me. She hung up on me even though I asked to speak to a supervisor or someone who had a better understanding of the system. Subsequently, it took me almost 2 months and close to 30 instances of contact with XXXX XXXX to gain access to my original account. At this point my account was emptied by the thieves. I lost about {$24000.00}. Reviewing the transactions, I saw that it took almost a week to empty the account ( Statement attached ). Had there been a mechanism for reporting this fraud, I could have frozen the account on the following day. 

On XX/XX/XXXX I was finally able to convey the full details of the breach to a customer service rep who took down all the info and told me that my funds would definitely be restored. 

No one from XXXX XXXX ever contacted me again regarding this matter and about two months ago my old account became restricted again. I can not request a call back because the phone number that is associated with the account is still that of the thieves. When I try to update the phone number, I get the same message Try again tomorrow. 

It is unbelievable that my account could be so easily hacked by the thieves, but took me many months to restore. Furthermore, there exists no mechanism within XXXX XXXX to report a hack and freeze the account, something that I was able to do with all my other financial institutions. Just as shocking is lack of any action on such a security breach and fraud by the company so far, despite the promises by the customer service rep to restore the funds.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IL)

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove all unauthorized inquiries as seen on my report.

15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.

Version 2. 
AFFIDAVIT Notice, it is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MEI AUTO FINANCE INC (TX)

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Specific details of the repossession in question account listed in document 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation? 
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents. 
6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
7.If yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Consumer complaint received 2024-01-16
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)

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.