davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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. (FL)

Equifax, XXXX ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate.

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Failure to provide a verifiable notification that debt existed as required by Law. Reported to my credit bureau without advising me. Debt is not mine and I could have disputed. Never sent me required notice.
Consumer complaint received 2023-08-14
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. (FL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
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 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: VYSTAR CREDIT UNION (FL)

I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$27000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ), U.C.C 3-311 And public law for negotiable instruments to Vystar Credit Union on XXXX they accepted my instrument , but did not credit my account correctly. I called Vystar Credit Union on XX/XX/2023, and talked to a supervisor named XXXX, and she told me that she would transfer me to member services, but the line was disconnected after being on hold for about XXXX minutes. I also called and spoke to a Vystar representative on XXXX at XXXX and spoke with her about my negotiable instrument and was told they will not except my offer, so they refused to stand in honor of the law by applying the proper payment, even with the agreeing that they do accept legal tender which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

While I was travelling abroad and my card became comprised, a merchant called " XXXX XXXX XXXX '' placed a {$59.00} charge on my card. Another merchant called " XXXX XXXXA '' placed a charge of {$300.00} on the card on the same day. I did not stay at that hotel. I stayed at the hotel of the XXXX XXXX and can prove it t to the CFPB if needed. I disputed the XXXX charges with Chase and had a new card issued. Chase rebilled me claiming that the chip was presented. I explained to Chase that when I was in a taxi in XXXX, I tried to pay the cab driver with cash and the driver said he only accepted credit cards. I gave the card and he never asked me to confirm on the screen what I was paying or the amount and I never received a receipt. I believe now that the cab driver cloned my card. I advised Chase of this and I asked them to verify with the merchant what information the so-called merchant had about me but Chase failed to abide by the Fair Credit Billing Act and has now inappropriately rebilled me. Chase claimed they would remove the incorrect rebill amount but has yet to do so.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX  XXXX and XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX, XXXX XXXX, 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
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX XXXX XXXXXXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my XXXX 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 Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

XXXX ( aka XXXX ) has been repeatedly through hundreds of phone calls been attempting to extort a claimed owing of {$87.00} on a previous account which was closed properly and equipment returned properly. One of several debt collectors, this one called " XXXX XXXX XXXX '' contacted me in XXXX of XXXX regarding the demand for collection of this {$87.00} dollars, to which I responded on their website ( XXXX ) with pictures of the proof of receipts when the equipment was returned ( XX/XX/XXXX ). XXXX XXXX XXXX accepted the documented proof and indicated they were NO LONGER seeking collection on the account and CLOSING their case. 
I received notification on XX/XX/XXXX, by XXXX Credit Bureau, that yet ANOTHER Collection Agency - " Enhanced Recovery Co '', was now going after me for this same amount. XXXX ( aka XXXX ) has ALREADY been thwarted in their continuous attacks and extortion attempts at trying to get me to pay this falsely " owed '' amount of {$87.00}, and are resorting to yet another attempt at damaging my credit, slandering and attacking my character ( as someone who has NEVER, EVER been in a Collections Process ), and continues to harass me with these repeated attempts. XXXX has alerted me that " Enhanced Recovery Co '' has " Flagged my account for Collections ''. This will have DEVASTATING affects on my Credit score, and I will not tolerate this continued attack on me. It is defaming my outstanding credit history, and is embarrassing, slanderous, and makes me liable when presenting myself based on financial stability.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My client applied for a FHA pre-foreclosure sale on their property because they could not afford to stay in their home. The were approved to participate in the sale program but right afterwards the servicer foreclosed on the property. I filed a complaint with you and subsequently they rescinded the foreclosure and approved the contract that was submitted. 
As we started the closing process we found the property was not deeded back to the owner after the foreclosure was rescinded. I have been trying to get the foreclosure recission deeded but can not get help from the servicer. Please open an inquiry into this matter so we can complete this sale.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX  XXXX and XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AR)

I received an email today XX/XX/23 saying I owed {$480.00} for the purchase of Bitcoin through PayPal. I have never purchased any Bitcoin item and try to use PayPal as little as possible. Certainly not for this. I am not responding to the " bait '', but thought it should be reported.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CT)

Levy by State was sent to Wells Fargo XX/XX/XXXX. Finds should have been returned. Social security funds. Wells Fargo sent funds to state without affording me the state staute of 15 days for me to respond. Lied several times on information provided to me ad well as branch managers. Funds are not returned to either state or me. It's been 6 days. Was withheld information and info changed numerous times from wells Fargo. They indicated they don't have legal or para resp just regular emploees. Was told ct is one of two states that are required to send money immediately. No policy or procedure was noted. Questioned this they came up with another lie. I have XXXX XXXX  XXXX I rely on as to live and get meds. I am broke and can not get meds for treatment of XXXX. Help
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX is reporting a debt of {$130.00} owed. The original creditor of this bill should be XXXX XXXX. It would be a wireless phone bill. However I don't understand how it has gotten on my personal account, it was a business phone. The account was set up with a credit card. The account was paid on time every month, by automatic withdrawal with a credit card on file. Any arrears should not have happened, because the phone was transferred the day after the bill was due, so XXXX XXXX should have been paid. 
I travel a lot for several months at a time, so I don't always get a chance to correspond with letters sent, especially if I am out of state, which I usually am. I have never missed a payment and paid on time every month. 
I tried calling XXXX XXXX XXXX and XXXX XXXX last year to try and resolve this problem. XXXX XXXX Customer Service Reps, took me in circles and had me on long hold times only to tell me I had to call XXXX XXXX XXXX. XXXX XXXX XXXX, if I remember correctly ( no one came to the phone was always on hold for a very long time ).
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX