davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

Approximately 2 years ago I had changed my cellular phone service to XXXX XXXX and I had to purchase a new phone to utilize their service. I purchased a XXXX XXXX XXXX phone for {$750.00}, the most I have ever paid for a phone. Within a few weeks the phone had a problem with charging, there was an alert given when I would plug in the charging cord. It would say that there was moisture in the charging port. The phone had never ever been in the presence of any water. I had contacted XXXX XXXX and they sent me a new phone of the same type and they had me send the defective phone back to them. Within a short time I was contacted by XXXX XXXX saying that I had caused corrosion in the phone and that the problem was my fault. After much communication with them and many other agencies including XXXX who admitted that this was a flaw in their phone but they were working on it and I would have to deal with my provider, they would not do anything either. Meanwhile the phone was under warrantee and XXXX had told me that the phone could be submerged in water for an hour, taken out and let dry, and it would be fine, but I had never had the phone in any direct contact with any water. Subsequently XXXX XXXX shut off my service, locked out the phone and my phone number, and I went back to XXXX, got another brand new phone and number, and recently I had gotten an alert on my XXXX XXXX that there was a collection action on my credit report. I had no contact regarding this and no opportunity to defend myself. Early on in this matter I had tried to find some help through some consumer agency but there was nothing and no way to deal with this issue. I am a semi-disabled senior living on my social security and small pension, and this was fraud on the part of XXXX XXXX. I don't know if there is anything that can be done at this point but it is criminal that a company can act in this way and consciously take advantage of people like myself..
Consumer complaint received 2022-12-23
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. (MD)

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 XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX  or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 2024-03-08
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX  DEPTEDXXXX XXXX XXXXXXXX has violated my rights.

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.

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

15 U.S.C 1681 Section 604 A Section 2 : Il 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. 16813-2 ( 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 2023-06-15
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2023-06-19
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. (NY)

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 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 2023-04-18
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-21
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. (NC)

XXXX dollars fraud charges made on my account XXXX months ago. They were remove by the other two XXXX and XXXX  a month ago. I have spent many hours trying to get equifax to look inot it they have lied and lied to me and give answers. I have contact XXXX XXXXXXXX many times they said this should have been resolved by equifax. I have had it and ready to sue equifax for not resolvin gthis after many attemts trying to get them to. They need to restore my credit ratin gto what is was and remove the fraud charges on XXXX XXXX card like the ohte two did over a month ago.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

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 2022-12-22
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. (FL)

I have asked for all the creditors that has falsely reported information on credit file to validate debts by providing proof of these alleged items, specifically the original application, contract, wet signature, other instrument bearing my signature and payment history. This agency is in violation of U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not. As the original creditor, only i can validate this debt, I do not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of such accounts and a free copy of my report after the changes have been made will result in other actions being taken again this company. I am distressed that these such actions by this company has not only hindered me but defamed my character.
Consumer complaint received 2022-11-09
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. (AZ)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im a XXXX XXXX XXXX in XXXX XXXX. I started to do XXXX XXXX for online shopping platforms such as XXXX and XXXX in XXXX XXXX, sending out packages to individual customers. I had a group of drivers who was doing delivery for me at that time. 
Around XXXX that year, I met a guy who was called XXXX XXXX. His father and and my father were in the same truck driving school. 
XXXX was a truck freight forwarder. He claimed to have several warehouses around the XXXX  area and XXXX XXXX trucks. He mentioned one of his partners, XXXX, who was a warehouse manager in XXXX. I thought we could work together as I might need trucks and warehouses for delivery. 
It worked out fine at the beginning. We used XXXX warehouse in XXXX to sort out the packages with almost no cost. Later on, XXXX told me he had a registered company in Delaware. If I could send my revenue to his company in XXXX, he would send it back to me from his Delaware company. 
By doing so, I can drastically cut the tax I need to pay. I decided to take a try. On XX/XX/XXXX, I wrote a check to him with {$10000.00}, which was my revenue for XX/XX/XXXX to XXXX. On the next day, I wrote him another check of {$15000.00}, which was my revenue for XX/XX/XXXX to XXXX. 
I had a XXXX business account. XXXX had his business account with the Bank of America. 
After he cashed two checks, he told me it would take about three weeks for him to receive the funds. 
In XXXX, I went to his office in XXXX XXXX once. That day I saw a group of truck drivers waiting there to get their paychecks, as XXXX had not paid them for almost a month. XXXX did not own any truck actually, they were the real truck owners. 
XXXX showed up late and explained to me that the Bank of America closed his account, so he did not have any money to pay the truck drivers. Because of that, he never got my money.

To figure it out, I went to a brach of BoA. They told me they closed his account due to suspicion of fraudulent activities. My two checks were suspended by the back office. I managed to call t
he number of their Fraud Department. They confirmed that they were holding my money and they would only give it back to me after they received a check fraud claim from my bank, XXXX. 
As for XXXX, they insisted they could not file a claim as I wrote those two checks personally, they were not considered as fake checks. I was working on that the entire XXXX but never got my money back. 
In early XXXX, I went to the office of XXXX in XXXX XXXX again and found it empty. He moved without any notification. I asked the real estate manager and found out that XXXX did own or rent the entire warehouse. He only rent a small office there. 
As for XXXX partner XXXX, he left the company running that warehouse in XXXX abruptly, supposed to be a bit earlier than XXXX moving out of his office in XXXX XXXX. 
As for now, Im still not sure whether XXXX is involved in faudulent activity or not. I just want to get my money back from the Bank of America.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-11-09
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states that 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 2022-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have fraudulent inquiries on my XXXX credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from capital one, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX corporation and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX Corporation. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX corporation and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, Equifax and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX XXXX XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX in XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

i am a survivor of XXXX  and XXXX  XXXX and my information was used in the process of those crimes. i have filed a police report with my local authorities as well as with the ftc. im seeking relief under regulation v and the debt bondage relief act. please assist accordingly thanks in advance