davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under federal law, they have thirty ( 30 ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting.

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by Spears v Brennan, 745 N.E.2d 862, 2001 Ind. App. LEXIS 509. 
* Verification by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt.

* Date of Last Activity.

* My full, complete, and correct social security number for identification purposes.

* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor.

* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company.

* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase.

Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.
Consumer complaint received 2022-11-01
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have been earning monies on apps downloaded from XXXX XXXX  to my XXXX- I am very successful at this & make as much as XXXX  to XXXX $ in a single day - time I spend fluctuates from 1 hour to 12 or even 13 hours. The problem started with the first app I learned from " XXXX XXXX " - an online instructor of sorts back around XXXX or may have been XXXX, the first app was " XXXX  '' app. A person would download this app and it instructs you to download another app within the app. Then you are to open and run the app for approximately 30 seconds or so. The first day there may be 1 or 2 to open and run it paid {$500.00} per day that I did this 2nd day it may have 2 or 3 to open and run {$500.00} pay takes maybe 15 to 20 minutes 3rd day might have 3,4, or 5 too open &. run - {$500.00} nice first time I try earning money from apps- {$1500.00} for 3 days work 45 to 50 minutes total -COOL OK now I put my PayPal info in and submit- it states payment in 48 hours Money never arrived - the money was paid by app developer but never arrived into my paypal- it was stolen, these cyber criminals figured out they could go into my XXXX and remove the money before it deposits to my paypal- someone ( s ) has been stealing the money from my work- as I stated earlier I have been earning on apps ever since- ++ most apps I earn on now have a person watch adds or 30 second videos. I may be playing XXXX  whereas every few cards I place at top another 30 second add and so on- so to make any money I spend many hours watching 30 second adds. Now the hackers steal the money I earned or they will change the tasks around within the app to suggest I only watched say 15 of required 100 adds videos when in actuality I watched 200 adds - and other times the app will state payment to paypal in 72 hours ok cool 3 days so I do this everyday and I have a payday everyday now sometimes when the timer gets down to say 10 or 15 minutes left of the 3 days they will change the task to say cash out in 257 hours and so on- this has been going on for years - attached is a screen shot of one of the last apps I was working which stated 24 hours for cash out - it took me about 3 hours time to cash out {$19000.00}, okay, that app has been resetting everyday for several weeks now- get the picture- I have sent several XXXX  to XXXX XXXX  and app developers for all the different apps I have been earning on- no response I also tried calling XXXX XXXX  and XXXX XXXX after the bot answering machine my call is dropped before a human answers- as stated earlier I am missing tens of thousands of dollars every week - for two plus years now Thank You There are more cyber crimes that have been being committed by these Same people as I will be filing complaints - these attacks are very serious and need to be addressed Thank You, XXXX
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (MA)

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I contacted the bureau to inform them that I did not authorize the inquires, and that it was fraudulent activities but they failed to remove the inquiries.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-01
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 recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : 1. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP 2. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

3. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

4. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (GA)

It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Consumer complaint received 2023-02-03
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)

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 XXXXXXXX. XXXX : # XXXX, XXXXXXXX XXXXt Bank : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Bank, 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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (FL)

I received a promotion by mail from US Bank. It was to open a business checking account and keep {$3000.00} minimum balance for 60 days to receive {$500.00} bonus. I followed their instructions and I called them to verify. I was told that all looked good and the promotional code was on file with my account. I didn't disturb the balance and didn't withdraw any money for 60 days because I didn't want to cause any problems by having my balance fall below the $ XXXX which would disqualify me from receiving the {$500.00} promo. Then to my surprise, I received a statement where they charged me {$6.00} fee on an account that was supposed to have no fees. Of course, this caused my balance to drop to {$2900.00} but when I called them, they credited the {$6.00} and assured me that this wouldn't interrupt the promotion bonus. They told me to go online and change setting to paperless. I did so. Following month, I noticed another {$6.00} fee again and called again. They credited the {$6.00}. But now, XXXX months later, still no {$500.00} bonus and I am being told that I will not receive it because my account no longer qualifies since it had dropped below $ XXXX ONLY due to their {$6.00} junk fee. They were not willing to fix this problem and honor their offer. I felt scammed and I don't want others to fall for this " bait-and-switch '' campaign that they are running. They are in breach of their agreement and they owe me {$500.00}.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Ditech Financial LLC (GA)

A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.
Consumer complaint received 2023-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I have recently seen a significant reduciton in income due to loss of employment since earlier this year. I have been able to maintain regular payments on my account except 1 extension granted to me for XX/XX/2023. I recently accepted a new position, and started a couple of weeks ago, but still find myself behind and anticipate another 2 months before I am caught back up and able to continue to make the payments. I have been a long time customer/borrower of Chrysler Capital and had a previous loan that was paid off after several years. I called in for assistance and was offered NO options, other than offered to document my inability to pay the account. Please help put me in contact with someone that actually can assist! Thank you!
Consumer complaint received 2020-03-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX XXXX {$4900.00}
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc. (MD)

This time it is a company called " First Recovery ''. 

I keep getting repeated calls. My wife and my work are also being called. I 'd like a cease and desist from these people, they have been hounding me for almost a year, and every time XXXX ends, a different company starts calling. I do not want or wish to be contacted by anyone unsolicited by telephone, especially when they are threatening court summons and wage garnishment without prior notice or explaining what they are talking about. Please help make this stop once and for all.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

Convergent outsourcing just showed up on my consumer report. The reporting states the account was open XX/XX/XXXX. My consumer file with XXXX XXXX XXXX XXXX and XXXX have been frozen locked and there's an idenity theft alert on my file as well informing all propensity creditors that they need to call me and verify my idenity before opening a credit file. THIS DID NOT HAPPEN. I DIDN'T RECEIVE A BILL NOR A LETTER LETTING MY KNOW 5 DAYS ON ADVANCE OF THE ADVERSE ACTION THAT WAS GOING TO BE TAKEN AGAINST ME. There have also been addresses showing up on my consumer report at places I've never lived or have any association with. The bill is for XXXX. Account number XXXX Not only that. They've reported 2 different days of last activity with the consumer reporting agencies. One states XX/XX/XXXX and one states XX/XX/XXXX as the last date of activity. If like this negative information suppressed from my consumer file until after the investigation. My request will be in the photos below
Consumer complaint received 2023-05-19
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. (NV)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX  Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I started receiving emails from Bank of America on XX/XX/XXXX notifying me that I was approved for my new checking account. I did not open the account. I called Bank of America and inquired on XX/XX/XXXX, they closed the account and were to send me the paperwork to start a fraud claim as my social security number was used and I wanted to know how the account was opened without any verification of ID and who opened the account. I did not receive the form that they were to email me. I called again three days later, requested this again. I asked that it be mailed to me, they refused. I visited the branch near my home last week and spoke to the fraud dept again and went through the same exercise. I have never received the paperwork to initiate the investigation, they are not doing anything about it. I am not being protected in any manner.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IN)

JEFFERSON CAPITAL SYSTEMS WERE ERASED FROM MY CREDIT PROFILE FROM XXXX AND XXXX SEVERAL MONTHS AGO BECAUSE OF AN ACCOUNT THAT I DO NOT HAVE WITH THEM. AND THEY NEVER ONCE PLACED ANYTHING ON MY XXXX ACCOUNT NOW ON XXXX OF THIS YEAR THEY JUST PLACED A COLLECTIONS ACCOUNT FOR {$550.00} ON MY XXXX ACCOUNT WHICH IS ILLEGAL AND UNETHICAL. BECAUSE THEY KNEW THAT THEY COUD N'T PROVIDE ANY DOCUMENTATION THAT I HAD ANY ACCOUNTS WITH THEM. I WANT THEM TO IMMEDIATELY DELETE THIS NOW