davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via Zelle in order to process my submission. After they approved the application, they requested {$1000.00} sent via Zelle as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via Zelle before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via Zelle. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} Zelle request. I did not send any additional money and filed complaints and disputes with my bank, XXXX XXXX XXXX, the FTC, New York 's Attorney General 's office, and Zelle on XX/XX/23. None of the aforementioned parties have contacted me since.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (FL)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with the following information to validate the debt : 1. The amount of the debt 2. The name and address of the original creditor 3. A detailed description of the debt 4. Any relevant documentation supporting the debt 5. Proof of ownership or assignment of the debt e all collection activities, including any reporting to the credit bureaus, until the requested debt validation is provided. 
Furthermore, I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 
I request that you correct this inaccurate information and provide a corrected copy of my credit report. 
Please respond to this request within 30 days of receipt, as required by law. If I do not hear from you or if the debt is not validated, I will assume the debt is invalid and take further action to protect my credit and my rights as a consumer. 
Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with a return receipt requested. This will ensure a documented record of our communication.
Consumer complaint received 2024-04-04
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. (FL)

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

First Republic Bank aka J.P. Morgan Chase Claimed overdraft of {$5.00}, closed account in early XXXX. Was assured that there were no outstanding charges or debts and that I could close my account. Teller processed my bank account closure, shredded my card, all proper procedures should have been followed. My checking account is still not closed and as of now may still incur overdrafting fees. I am frustrated despite having supposedly closed my account several weeks prior. I also called several times to ensure that my account would be closed ; despite promises made by bank customer support, I was never called back and my account remained open. 

Thank you XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.
Consumer complaint received 2024-04-04
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. (TN)

I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (AZ)

I have received no written communication from Midland Mortgage or their attorney about foreclosure of my home, prior to a non related 3rd party arriving at my house XX/XX/2022 telling me I was in foreclosure and asking to buy the house. I assured him there was an error as I had spoken to the bank a few days prior about a modification, as I had the HAF funds applied to my account and have been approved for a COVID loan modification. He told me a title company gave him the info. To date, no one with Midland Mortgage or their foreclosure attorney office has been able to provide any confirmation i received any information from them and have told me they mailed it. When asked if there were any signatures or certified documents, I was told no, they mailed them 1st Class and referred to the attorney. After explaining to the foreclosure attorney ( I had to contact Midland to get the information for the attorney as, again, I had and still have no info ) the situation on XX/XX/2022, I was told that they mailed it, and told by her I received it. When I asked how she knew I received it, she said because they mailed it. When I asked about proof, she told me to get an attorney and hung up. Within an hour of thqt exchange, a man arrived and taped a photocopy of the trustee deed of sale on my door, took a picture and left. He didn't ring the doorbell.
Consumer complaint received 2023-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # # XXXX {$640.00} XXXX  # # XXXX Experian Reporting Addresses XXXX XXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXX Closed XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX closed XXXX {$640.00} XXXX XXXX XXXX XXXX # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} # XXXX {$1900.00} # XXXX {$1000.00} # XXXX {$1500.00} # XXXX {$700.00} # XXXX {$500.00} XXXX soft inquiries XXXX XXXX  closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I fell behind on payments and had been telling them through email I could not afford it. I was given too much to handle for my pay. I also got XXXX, had sick family members, and lost jobs in the time. I was offered a new interest rate after months and it expired the XXXX of XXXX with a payment of XXXX owed and to continue making this payment. They towed the car ON THE XXXX before the loan expired and not only that they still have not provided me the ACTUAL NAME of the towing company. They have someone working as a middle company that won't tell me either. VA also required an ACTUAL 10 DAY NOTICE, just for repo-ing, to be sent 1st class mail before repo-ing. They did not send that. They have done this before and are now trying to make me pay over XXXX dollars to get out of repo-status only to be charged more for storage. They repo-d it once before and I paid it but still wanted lower rates. They waited until I was in a hole and took my car. Numerous emails with no response. I lose my voice all of the time and have told them this through electronic communications.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I was charges by XXXX for an anual charge. When I received the bill and saw the charge I called to ask why. They said that it is automatic billing and even as I received no notice I am required to pay for it ... as back in 10 years back I agreed agrred to get billed annully. they said they will cancel the bill in XXXX.and I am free to use the product for another year. Even afrer I explained that I have not used the product for a long time and do not intend to used the product, thay said sorry the charge was charged already.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, 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. (SC)

I sent a disputed through Equifax and XXXX and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-05-09
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. (SC)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXX CO # XXXX XXXX Balance : {$780.00}.
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I see that XXXX XXXX sold this alleged debt to a collection agency named CREDIT MANAGEMENT XXXX in the amount of {$600.00} stating that equipment was not turned in to XXXX. I have had an excellent payment history with XXXX XXXX XXXX. I moved from a XXXX  house at Address XXXX XXXX XXXX XXXX Georgia XXXX to a XXXX bedroom loft at XXXX XXXX XXXX XXXX GA XXXX. Essentially their worker picked up the original equipment during the transfer. When I moved from XXXX XXXX XXXX XXXX GA XXXX  I turned the equipment in via the XXXX representative who services our loft building. They sold debt to collections company called CREDIT MANAGEMENT XXXX who will not remove this inaccurate information off my credit file. As a loyal paying consumer it has tarnish my credit and I want it removed off my credit file immediately because its fraudulent information.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TransferWise Ltd ()

Wise bank have closed my account down and I've had benefits money going in from XXXX  and wise have said I can't have it so appealled over my bank being closed and submitted a refund and they sent me an email this morning saying my bank is staying closed so I phoned them and ask them to transfer the money in my account into my dads and they said they won't be able to do that for me as they have closed my account and that they are keeping my XXXX  benefits money and that I need to make a complaint with yourselfs
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX Removal of references to XXXX XXXX  Removal of references to XXXX XXXX  I trust that XXXX, XXXX, Equifax, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.