davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I opened my 5/3 bank account and saw a pending charge for {$390.00} from XXXX on my checking account. I immediately called the bank to let them know there was fraud on my account. Customer service said I needed to wait until the charge went thru and they took my money before they could dispute the charges. The next day the charges went thru and I went to the banking center to dispute the charge on my account. After 8 days they gave me a provisional credit and I thought it was taken care if. I had a new debit card and my money was returned, When they did the initial dispute there were a few other charges I never saw on my account from earlier in the year - starting n XXXX for a total of {$18.00} that they also disputed at that time. The bank has now taken my {$390.00} back out of my account on XX/XX/XXXX and to add insult to injury they are stating that due to regulation E they will NOT return that {$390.00} because I didn't report fraud earlier.. I had no clue it was there.. but it gets better,, on XX/XX/XXXX I was woken up to a text message from 5/3 bank at XXXXXXXX XXXX asking me if a {$390.00} charge from XXXX was my charge- I declined it and they shut my card down againbut did NOT BLOCK the charge and XXXX got another {$390.00} and the bank forced me to wait again until the charge went thru my account and they took my money AGAIN on my NEW card that the bank issued me incorrectly and I am now disputing that charge. Apparently the bank MANAGER did not properly shut down my debit card and allowed Mastercard to send my new card information to XXXX to hit my account yet again for another {$390.00}. At XXXX XXXX I responded that it was not my charge and the bank still allowed XXXX to take my money and forced me to dispute another charge that was caused by the bank manager for not properly shutting my debit card down in the first place. I have now filed three disputes. The bank gave me {$18.00} of the total {$810.00} that has been fraudulently charged on my account and told me too bad on the {$390.00} that was charged in XXXX and that I should have reported fraud sooner.. If I had I know there was fraud earlier on my account I would have reported it immediately. The bank refuses to refund {$390.00} that was disputed from XX/XX/2023 and I am still waiting on a provisional credit and final credit for the second {$390.00} that was stolen from my account dur to the incompetency of the manager.
Consumer complaint received 2022-10-21
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)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-05-02
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. (GA)

When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I just recently checked my Equifax and XXXX credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery refuses to validate the debt. On their online portal it does not show this account but they refuse to remove it from my credit report. I have documents showing on their site I owe nothing. It is the only collection on my account and it is fraudulent.
Consumer complaint received 2023-08-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I need your help I am in some what of negotiation with MR. Cooper but I just found out that they just received {$27000.00} XX/XX/XXXX XXXX They are still asking for {$7300.00} before they take me off the Forclosure list/ Re-enlisted my mortgage. Can you help me?
Consumer complaint received 2022-10-21
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. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, DEPT OF ED/XXXX 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 XXXX XXXX- # XXXX, XXXX- # XXXX, XXXX- # XXXX, XXXX- # XXXX, XXXX- # XXXX, has 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 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 2018-04-22
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: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rickart Collection Systems, Inc. (DC)

I moved out of my old apartment on XX/XX/2022 and I requested XXXX stop service to my apartment on that date. I submitted a stop service request on XX/XX/2022. XXXX confirmed this stop service request on XX/XX/2022. I continued to be charged through autopay until XX/XX/2022, which totaled to {$81.00}. I attempted to contact XXXX on multiple occasions about this issue. On XX/XX/2022, I called XXXX to discuss the issue and was told that it would be resolved. It was not so I called again on XX/XX/2022. This time i was given an email i needed to send my new lease to in order to prove I had moved. I sent my lease to this email on XX/XX/2022 and didnt receive a response. I continued to be charged, but had turned off autopay. The bill would show up as late. I followed up on XX/XX/2022 and was told again to send proof of moving and of my stop service request. I did both. XXXX did not respond and continued to charge me. I followed up on XX/XX/2022 and did not receive a response. Despite all of this, XXXX continued charging me and eventually sent the remaining debt to a collection agency. I have been receiving mail from Rickart Collection Systems , Inc. since XX/XX/2022 stating that i owe them {$34.00} as the remainder of my XXXX bill. XXXX actually owes me {$81.00}, as i have not lived in the apartment for almost a year and provided ample proof of this, including my original stop service request which was submitted well before i moved out. The most recent mail i received from Rickart Collection Systems , Inc was on XX/XX/2022. I still have not received any responses from XXXX.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act 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 has 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 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX # XXXX, DEPT OF ED/XXXX 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 XXXXXXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX- # XXXX, XXXX- # XXXX, XXXX- # XXXX, XXXX- # XXXX, has 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 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 2023-04-30
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. ()

These below inquiries do not belongs to me 1. XXXX XXXX XXXX {$37000.00} ( XXXX XXXX ) 2. XXXX XXXX  {$2400.00} ( XX/XX/XXXX ) 3. XXXX  {$130.00} ( XX/XX/XXXX ) 4. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 5. XXXXXXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 6. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 7. XXXX XXXX {$0.00} ( XXXX XXXX ) 8. XXXX XXXX ( XXXX XXXX ) 9. XXXX  ( XXXX XXXX ) and another date is ( XXXX XXXX )
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

XX/XX/XXXX, received a collection notice from a collection agency citing I owe a debt to XXXX XXXX from XXXX This is inaccurate I do not owe any money to XXXX XXXX In this collection letter it does not inform me that I am able to dispute this debt. This is one of many times I have disputed this debt with this same collection agency for this same debt. my cease and desist has been ignored.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (AL)

XX/XX/2022 This complaint comes to your attention due to the unfair business practices of First Tech Federal Credit Union ( XXXX, Or ) https : XXXX. I previously had a good-standing business relationship and held XXXX ( XXXX ) accounts with this financial institution until recently in XX/XX/2022 when I began to fall behind on a credit card issued by the bank. 

My Complaint : Due to missed payments on my credit card account on XX/XX/2022 First Tech withdrew {$510.00} from my personal checking account ( without consent ) which overdrew my account $ XXXX. I then requested them to close the credit card along with my personal checking, saving, business checking, and business savings accounts. However, because my payroll was about to deposit, they could not close my personal checking and saving account until after it posted. On XX/XX/XXXX I went into a shared branch location and was able to withdraw my payroll. 

As retribution First Tech disabled my online banking to prevent me from seeing any activity or download any banking statements. In addition, to freezing my personal checking/saving accounts preventing me from transferring or withdraw my funds. My concern is that I can not withdraw recently deposited 401K funds ( {$2000.00} ) in my savings account that I have paid taxes on and First Tech is holding these funds in abeyance to satisfy a credit card account that I have previously closed because on the initial {$510.00} that was taken from me! I should not be subjected to any federal penalties for my 401K if I did not use the funds or give permission to First Tech to take the funds? In conclusion my state tax refund is going to be deposited into my personal checking account that I have no visibility into nor will be able to access.
Consumer complaint received 2022-10-21
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. (IN)

The Credit Reporting Agencies have been neglecting my numerous CFPB Complaints and Dispute letters that I have been submitting to request the removal of the disputed accounts and information from my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, the Credit reporting Agencies have been claiming that the disputed account belong to me without sending me copies of proof of verification or any proof of ownership. I have been requesting that the Credit Bureaus send me copies of proof of verification if they ever claim that the disputed account and yet they have failed. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit reporting Act section 605b. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Credit Bureaus in the event they do not remove the disputed account from my Credit File. If it is not too much to ask, I am in need to remove the disputed account from my Credit File : 1. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-10-21
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-04
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)

***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX. Experian, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.