davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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)

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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD, and XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Back in XXXX of 2023 Capital One closed my checking account. They havent told me why, although I suspect it was because I tried to move money to an account I have that was linked to my old address in a different state for my rent payment, but I think I accidentally did it twice so it probably looked fraudulent. This is fine. But they havent returned the money that was in the closed account. Im out XXXX from said closed account. Ive been trying to contact them for months and they always direct me to a line that says to leave my name and number and someone will call me back. No one has called me back. I dont know where my money is and when Ill see it again.
Consumer complaint received 2023-01-18
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. (KY)

This is my fourth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 


LVNV FUNDING LLC
Consumer complaint received 2023-07-10
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)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clay Chapman Iwamura Pulice & Nervell (HI)

Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

First off, due to the data breach with Equifax, I do n't feel that I should have to pay them {$10.00} to initiate a credit freeze. I would n't have done so if they had n't had the security breach. Now, they are profiting due to their own ineptness. 1 year of credit monitoring is n't sufficient as a response either. They need to offer a free credit freeze to anyone who is affected by the breach and their own website said that I was. 

Despite the above concern, I initiated a credit freeze with Equifax ( and the other two ) and then went to pull my credit report at XXXX. The Equifax site said " The System is Currently Down for Maintenance ''. Unacceptable. I went back in again and it let me get all the way to verifying my identify before the system went down again with the same message. Still unacceptable. 

XXXX has a similar issue where the report would not generate.
Consumer complaint received 2023-07-10
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. (AL)

on XX/XX/XXXX a XXXX XXXX XXXX was fraudulently reported on my credit and on XX/XX/XXXX XXXX  WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Consumer complaint received 2017-04-02
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc. (OH)

I bought a {$400.00} prepaid Mastercard at XXXX in XX/XX/2017. When I got home, the card would not work so I called the prepaid company. They said that the card was flagged as fraudulent on XX/XX/2017, but they still allowed the sale to go through at XXXX. The card company offered to refund the gift card balance, but not the {$13.00} activation fee, even though the cards were never activated due to the fraud flag. They said that they have a policy to never refund activation fees, even better in cases like mine where a fraud flag prohibited activation. So now I have to wait 2 weeks for my {$400.00} refund AND the card company still earned {$13.00} off of my troubles.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (CO)

On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back
Consumer complaint received 2017-05-08
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. (FL)

I have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong
Consumer complaint received 2023-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In accordance with the fair credit Reporting act Capital One Account # XXXX and Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive reached out to transunion on multiple occasions explaining there are inquiries on my report that I dont recognize nor gave permission to any of those particular creditors to access my file. I have been told by transunion that I have to wait until the XXXX yr mark to have them removed when in fact I explained they were unauthorized and violates my consumer rights. I wrote multiple letters, Ive called as well and they keep refusing to take care of my situation
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

From XXXX XXXX to XXXX XXXX, I used mobile deposite with USAA to deposit checks I did not know were fraudulant and part of a scam to pay scammers through third-party apps. I thought I was serving as a middle man for other small businesses like mine to help pay vendors for a wedding I had been booked to work next week ( already aware how XXXX all this sounds/is ). 

On XXXX XXXX, after the last check was deposited, being scammed became a hard reality when USAA put everything on hold and I realized any funds I did have, and then some, were completely gone and I was now in the negative. 

Now, after walking USAA through what happened, and the fact that none of those checks flagged as fraudulant on USAA 's end after I deposited them, they say I am now liable for paying them back {$10000.00} or more -- money I didn't have to begin with. I don't understand how checks I didn't know were fraudualnt now make me liable to pay back money I didn't know was bad to begin with, now that everything is gone. We've banked with USAA for years, but now because I'm a victim of a scam, USAA says I have 41 days to pay back all this money I didn't have to begin with or they close our accounts. 

There should be some sort of better mechanism in place by USAA to either have alerted me to the fraudulant checks or canceled the checks the minute they realized it was bad. Not a single alert was given on their end until the money was gone. I know I'm XXXX  on my part for falling victim to it, but this is not money I should have to pay back. Those responsible should have to pay it back, or the bank should have alerted me to the fraud and canceled the checks the moment they failed. These scammers hit right an extremely vulnerable time in my life, and I got played like a fiddle because of it. 

I have an open police investigation pending in this scam, but that also has no henderance on this situation.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (MO)

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both  collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX XXXX