davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (MS)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 2023-02-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-08-11
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. (LA)

I, XXXX XXXX XXXX XXXX of Louisiana, have been impacted by the Louisiana Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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  Bankruptcy XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (NY)

Disputed debit in XX/XX/XXXX when I was notified about it - no reply from collection agency. Then debt was transferred to another agent company, and again disputed XX/XX/XXXX. On XX/XX/XXXX, I was served a summons for civil court. 

The debt is now past statute of limitations XXXX NY XXXX 3 years ). The last payment on the account in question was XX/XX/XXXX, according to my credit report. Being out of the country for XXXX years, I can now see they've reported this on my credit file since then. 

The collection agency lied to the court & said I made a payment, I did not make, to extend the statute of limitations. 

Yet still, this is being reported to credit bureaus after disputing & I'd like this resolved.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My bank has accepted an online check withdrawal for ~< {$30.00} with some cents with only description " authorized by '' my name and my account routing number that I never authorized and dont recognized the payee. I was told that's the industry standard everywhere now by most banks to accept this type of ONLINE BANKING transactions. The problem is that the routing number of each checking account will be retrievable or printed at the bottom of each personal check written. I XXXX online this payee phone # given by my bank. The payee name then showed up on many customer complaints reciting similar fraud withdrawals. Also other entities name with similar instances such as, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, etc. There should be a law to prohibit this transaction ever approved by any banks by submitting bank routing number and name only. There is no owner 's signature on file authorizing it. The fraudulent activities occur involving small amount of money stolen under 50 $ from many online bank accounts easily. Where is our consumer protection on this?? Please look into this and warn the public. If the banking law doesnt change, public could never provide their checking account for their automatic withdrawal with safety as thieves can withdraw on their public checking account easily by copying their name and the account routing number. This is NOT RIGHT!! Public beware!! I am closing my checking account. 
Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-08-11
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. (LA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

We have used mobile deposit for years and made very large deposits. We deposited a check on Sunday and it should have been available today. It was not. 
This is unacceptable. We called the bank customer service as well as the branch and every person let us know there was nothing they could do, saying things like I will get a manager but like I said we can not call to verify funds, etc .... how is this customer service? Its our money not the banks money. 
We also asked why the check was being held, no one could verify why and if there was a funds issue on the other end because its all " electronic ''. 
Well then you should be able to see electronically what the issue is, its a lie they know and they should be able to call and we will be closing our account. 
We want this resolved immediately. It does NOT take eight days to figure out if a check can clear on electronic systems. What a racket to collect interest on peoples deposits.
Consumer complaint received 2023-08-11
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. (TX)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This is the account to be corrected of : XXXX XXXX XXXX XXXX Balance : {$4700.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( Experian ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP (GA)

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP uses false and misleading information in its attempt to collect this alleged debt by use of an unlawful, yet unenforceable contractual agreement. Dunlap Gardiner LLP misuses the covenants defined terminology owner as an attempt to deceive the reader. The term owner as defined within the attached covenants identified the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX as the only owners that are bound by this agreement in which was made. Dunlap Gardiner LLP deceptively identified me as an owner to falsely claim that I am bound by the referenced declaration in which I was not a party to nor agreed to. This latest response in its entirety, Dunlap Gardiner LLP and its client admitted to committing fraud with statements such as : The owner is bound by the Declaration, regardless of whether he signed any documents at the time of purchase of the lot and the purchaser is charged with legal notice of the covenant, even if it is not stated in his own deed. Dunlap Gardiner LLP and its client willingly admitted to Fraud in the Inducement in which occurs when a person tricks another person into an agreement to ones own disadvantage by using fraudulent statements, and representations. Because fraud negates the meeting of the minds a requirement for any contractual agreement, and any contractual agreement made by fraud, is immediately voidable. The injured party can seek damages or terminate the predatory contract. Dunlap Gardiner LLP and its clients harassing attempts to enforce the terms of an unlawful and unenforceable contract by coercing payment and making threats to take personal property if one does not receive said payments is in fact extortion.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CO)

( The best service company ) is a debt collection agency that has posted a. Collections account on my credit report which is hurting my credibility and preventing me from obtaining any other form of credit. The amount continues to grow and when I requested proof of debt in the form of original contract I was told no that they sent me something last XXXX already. I informed them that I never received it that if they indeed sent one that sending another should be no problem. They said in order for me to obtain the requested documents I would have to send them a copy of a police report. When I asked if they were obligated to provide me with those documents to show validity of debt they then said that XXXX XXXX XXXX XXXX is the one collecting not them and refused to give me the info for contacting them.
Consumer complaint received 2023-01-19
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-28
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX, Account name : 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 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau ( Transunion ) placed a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on my credit file report, then starting reporting the fraudulent accounts and data on my credit file report. Although, I sent my identification that verified my current and former address as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the credit bureau continues to report the fraudulent account and report it as accurate.
Consumer complaint received 2023-08-11
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2500.00}.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

Equifax Information Services, LLC is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX and XXXX ( XXXX ) XXXX XXXX Card accounts. 

In detail, Equifax has : Included my entire transaction history with XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX Card on my credit report, such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXXXXXX XXXX and XXXX ( XXXX ) XXXX XXXX  Cards as the furnishers. 
Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Equifax can only provide my report with my written instructions. I did not provide such instructions. 
Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Equifax claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 
In summary, Equifax has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Equifax and take appropriate enforcement action to stop these violations. I will also inform the FTC of Equifax 's illegal activities and violations of Federal Laws. I also request compensation for damages caused by Equifax illegally accessing and furnishing my private data without consent.
Consumer complaint received 2023-01-28
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: LEXISNEXIS (SC)

I disputed a XXXX XXXX XXXX XXXX XXXX information on my LexisNexis credit profile i have sent them a police report, ftc report and a copy of the letter from the XXXX XXXX XXXX XXXX