davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, et al breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of the fact just mentioned, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. 
Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. It was discovered that 1 - 100 of 1561 records of companies/organizations were/are trading on the XXXX without my authorization . Business Entity Data ( BED ) B.V., a wholly owned subsidiary of The Depository Trust & Clearing Corporation ( " DTCC '' ), owns and operates the XXXX XXXX XXXX XXXX XXXX ( GMEI ) legal entity identifier ( LEI ) solution in the federated Global LEI system ( GLEIS ). XXXX XXXX XXXX XXXX XXXX, XXXX. Also, XXXX XXXX obtained my SS # attempting to get a mortgage. My permission was not given to any person, or entity, to use my identity, name, likeness, signature, or social security number for any reason.
Consumer complaint received 2021-01-08
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. (AR)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX
Consumer complaint received 2021-01-08
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. (NJ)

XX/XX/XXXX Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I filed a fraud claim for {$810.00} for a charge from XXXX XXXXXX/XX/XXXX 

On XX/XX/XXXX I received a provisional credit in the amount of {$810.00}. 

On XX/XX/XXXX my account was overdraw in the amount of {$810.00}. Bank of America claimed they issued two provisional credits on two separate dates ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$810.00}. However, the bank made a clerical error because they filed two claims on XX/XX/XXXX instead of the one I initiated. Bank of America ; s representatives made two separate claims without my initiation of the additional claim. 

On XX/XX/XXXX Bank of America sought to recover their error by adding the additional credit to my account which resulted in my account being overdrawn {$800.00}. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Manager who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-29
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

recently i got a copy of my equifax credit report and notice equifax is providing and reporting a fake credit score and outdated data. the score and profile data hasnt been update in 2 years, this inaccurate and outdated information caused me to denied a loan. 

the lender pulled information but equifax didnt update the data for 2 years
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (KS)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

First time in XXXX years to be scamed. Was scamed on XX/XX/2023. Reported to Chase Bank evening of XX/XX/2023. 
Scamed to send money via XXXX. XXXX is offered via my Chase accounts to send money online. 

I was selling a desk as well as some XXXX on XXXX. XXXX called on XX/XX/2023 asking if I received money for desk. No, I did not receive so he said to send money back to buyer and then I would be credited back. 

Chase Bank said they tried to get money back from XXXX but it was too late. I called several different times and Chase created different claim numbers each time. 
Total amount is {$1000.00} I lost. 
XX/XX/2023 - {$250.00} to XXXX XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$50.00} to XXXX Chase Case ID # : XXXX XXXX XXXX XXXX Long time customer of Chase Bank ( XXXX years ) and they tell me they can't reimburse me. There is no phone number to call Chase except all numbers are Call Centers and they did not care.
Consumer complaint received 2021-01-08
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)

I was a victim of asset fraud. I filed a police report. I am XXXX years old and I live on minimal social security. My entire savings of XXXX was wiped out. When I went to visit my daughter in XX/XX/2019 she said we should check my credit. Since I do not know how this works my daughter helped me. We found several account Ive never seen before and so she helped me with the dispute process. XXXX and XXXX  were very accommodating and removed accounts listed on the police report. Experian continues to give me problems. First they responded saying my police report they insisted I obtain was fraudulent. Next they sent me a letter saying they would not remove the items because they dont accept 3rd party disputes alleging that my daughter completed it. My daughter resides in GA she uploaded the documents to their site that is all. I dont know how to upload. The police report was filed by me in California in my city XXXX. My daughter resides in XXXX GA. Experian is accusing me of things that are not true and I want these fraudulent items removed effective immediately
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX CHILDSUPPORT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (MI)

I filed a complaint/dispute with XXXX XXXX/XXXX  via their dispute system XXXX 2020. After submitting complaint online, I looked up the collection agency that had complaint on my file Allied Account Services, XXXX XXXX XXXX, XXXX, XXXX I spoke to the representative and told him if he checked his records he would see that I've never lived in XXXX XXXX  or had any relative living in the state. I told him whoever opened the account with the utility had to have used their own social security number. I told him that they did not use due diligence in investigating and that I wanted it removed from my record. That XXXX is still on my record with XXXX, XXXX XXXX and XXXX. I want them FINED for being sloppy and irresponsible! 
.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place validating the debt, That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices please delete this account immediately
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm not related with these credit administrators, and I didn't begin the request. I'm referencing that you get them out of my credit report right away. These deals are not upheld by me and are futile to my financial activities. I request their development from my credit report.
Consumer complaint received 2023-07-12
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. (OK)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I applied for a loan modification, Rushmore mgmt.co agreed on XX/XX/18 but increased the payments by XXXX instead of decreasing the payments. The original monthly payment was approximately XXXX, new monthly payment was XXXX and they increased the interest rate. I did not agree to the modification since I could not afford the increased payments. 
I became unemployed on XXXX and my husband abandoned our home on the same day.