davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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 XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( 2 ) 30 days past due, Equifax ( 1 ) 30 days past due and XXXX XXXX ( 1 ) 30 past due. I mailed the CEO of XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of 2022 I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

I called the collection agency and they told me the debt was sold to XXXX. I called XXXX to settle the debt using my bank account and the money was never collected. Then the original debt collection agency that sold the debt reported the debt with 4 missing payments, dropping my score by XXXX XXXX. The debt was never verified and has been sold by this collection agency. XXXX is also not reported on my credit report and the debt is showing under the original creditor and this debt collection agency, so I am getting hit twice on my credit report.
Consumer complaint received 2024-06-03
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 writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been inaccurately linked to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue promptly as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-06-02
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. (MO)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, I'm Chase bank business XXXX XXXX XXXX XXXX ) account holder. I recently went to chase Located at ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and get a cash withdraw of {$45000.00} dollars on XX/XX/2022 at XXXX. Two hours later after I left the bank, someone from that chase bank called me says they give me {$4000.00} dollar more in that transaction. I told them I didn't know if there is {$4000.00} dollars more in that bag because I didn't count those money while I was at the counter with that bank teller, I just grab the bag with money inside and left and hand it direct to my construction contractor. I then called up my Construction contractor and he say that there is not extra money, it was {$45000.00} even. I told the bank teller about it over the phone. and they say they going to call me the next day which suppose on XX/XX/XXXX XXXX but which no body does call me. After two days later on XXXX XXXX, they put a MEMO debit on my account and debit {$4100.00} dollars from my bank account without my permission. I then call the chase phone number located back of my chase debit card ( XXXX ) and spoken with one of the Rep about it. They ask me to call back the next day which is XX/XX/2022 regarding this issues, because they don't have any information about that MEMO Debit currently .After I contact with the bank they are not willing to adjust the issues. In my personal point of view this is totally not legal because they can't just take money out of my account without my permission and contact with me or doing investigation on it. What if they told me they give me {$100000.00} more and just subtract it from my account without letting me know.
Consumer complaint received 2023-10-05
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. (FL)

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 2024-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (NJ)

I have done business with this company XXXX XXXX XX/XX/XXXX when the illegal charge me for stuff that was not shown on the purchase agreement, I immediately reach out to them and requested for them to cancel every business and transaction I've done with them and refund me in full. After several calls the agreed and cancel the plan and refunded me. Canceled since XX/XX/XXXX Now on XX/XX/XXXX I received a junk mail from This company called ( Southwest Recovery Services ) saying they have a debt for me under the account number " XXXX '' from " XXXX XXXX '' saying I owe XXXX XXXX {$190.00} and it's been sent over to their debt collection agency, now I immediately try to reach out to them and after numerous attempts and unsuccessful calls, I decided to call XXXX XXXX the representative said he is unaware of this debt collection because he can see that my plan has been canceled more than a year ago. So I asked him for email communication proof so I can show the debt collector who I'm still unable to reach out to. 

Now I'm kindly asking the consumer financial protection bureau to Please help me with this issue as it's totally unfair and it's consider a fraud. I have needed business with this company the same exact day I tried to start it. 

I am attaching all proof and communication of cancellation and refund from thiscompany. 

Also I would I like to note I have not received no mail or phone call from this company " Southwest Recovery Services '' about the Debt collection, just one spam mail and a number that's unreachable.
Consumer complaint received 2023-10-05
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. (TN)

I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.
Consumer complaint received 2023-10-05
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. (NJ)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-12
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. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX  ACCOUNT BALANCE {$600.00} XXXX XXXX XXXX ACCOUNT BALANCE {$960.00} XXXX XXXX XXXX ACCOUNT BALANCE {$250.00}
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX i ordered a case with 4 XXXX wipes for {$10.00} i never received the wipes i spoke to someone from paypal also in XXXX and ask was that a legit company she told me yes if not i can get my money back. I have sereral copies of that audio i got a tracking number from paypal on XX/XX/XXXX XXXX which didn't add up so i called XXXX  and my call got intercept by a lady saying she couldn't hear me i told her she was doing that she hung up i called back the lady heard me loud and clear ask for the tracking number my name and address said it was delivered on XX/XX/XXXX to someone name XXXX and a different address my name is not XXXX and its not they fault i have copies of that audio to i made a claim with paypal and was lock out my account so they could delete my information they even said i ordered shoes which is another lie but i beat them to it i already made copies on my credit card and receipt paypal denied my claim i reported it to my credit card company put fraud alert and now they gona investigatied and i will never order from paypal again
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXXXXXX  In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022, I received XXXX emails from Bank of America. The first email was asking to verify my email address. The second email was notifying me that an online application is in progress. This email had my full name and a confirmation number of XXXX. The email aslo states that another email will be sent when the application is processed. Seconds later, another email is sent telling me that my application was approved and a new account called Bank of America XXXX XXXX Banking with account # : XXXX ( stated exactly in the email ). A minute later another email from Bank of America was sent welcoming me to Online and Mobile Banking. Three minutes later I received the last email notifying me that my email address was updated. I did not open an account with this bank or tried to do so.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (LA)

There are names and addresses reporting that dont belong to me. 
there are closed accounts reporting after 7 years. 
there are inquires that report that I dont know about. 
there are accounts reporting differently between the reporting agencies.
Consumer complaint received 2023-11-11
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX a XXXX XXXX according to XXXX XXXX. 
I was told by XXXX they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable.

I believe my rights have been violated.

I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX