davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (UT)

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 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?
Consumer complaint received 2023-05-25
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction 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
Consumer complaint received 2023-05-25
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately :
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/XXXX, I was asked to sign a credit card authorization for XXXX XXXX XXXX by XXXX XXXX before they came to my condo. ( attached as Credit Card letter ). The workers subsequently came to my condo and removed several already packed boxes, some chairs and XXXX bicycles using their personal vehicles because the promised truck never came. I was told I would receive an invoice and a receipt for my personal property. I never received either one. They should have charged my card approximately {$400.00}. 

On XX/XX/XXXX, my Barclays Jet Blue Master Card was charged {$6900.00} by XXXX XXXX. I immediately got on the phone to find out what happened. XXXX said they would look into it. I disputed the charge with Barclays and received a letter dated XX/XX/XXXX, from Barclays saying my dispute was acknowledged. ( attached as Barclays letter 1 ). I subsequently received two emails from XXXX XXXX saying in the first that the {$6900.00} charge would be reversed and saying in the second that charge reversal has already been put through. ( attached as email 1 and email 2 ). I sent the first email to Barclays and received a letter saying that the charge would be reversed. 

Without any further contact with Barclays, I received another letter dated XX/XX/XXXX, that the charge was being reinstated because I was advising Barclays that I was no longer disputing the charge, which was a total fabrication. The letter also said that the charge in question was {$6400.00} and not {$6900.00}. ( attached as Barclays letter 2 ). 

I then sent a lengthy letter to Barclays along with attachments disputing what was said in their XX/XX/XXXX letter. I received a letter from Barclays dated XX/XX/XXXX ( attached as XXXX letter 3 ), which contained three more false statements.

1. We are outside of the permitted timeframes to continue this claim through the dispute process Yet as you can see by the above my dispute was submitted well within the 60-day time frame as described in Barclays monthly statements. Also, they do not tell how I could continue my claim. 

2. We were not provided with sufficient proof that the merchant has agreed to refund the account I did however provide them with copies of both XXXX emails wherein they say that they agreed that the {$6900.00} charge should be reversed. 

3. Services were rendered and the merchant is due payment Despite letters, emails and phone calls to both Barclays and XXXX I was never provided with a written invoice of exactly what pack out services were rendered. 

The letter also repeats the wrong charge number of {$6400.00} and not the actual disputed charge of {$6900.00}. 

I have offered Barclays either mediation or arbitration to settle this claim but being that they have neither the facts nor the law on their side they declined both. 

Please also note that I am XXXX XXXX XXXX and XXXX  citizens should not be subjected to this type of abuse by their credit card providers.
Consumer complaint received 2023-05-25
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. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

So I lost {$600.00} Last week on XXXX XXXX by some fraud/scammer and the username is XXXX  on XXXX she is stealing money from people and not returning my money back and she charging me extra {$300.00} on top of the whole dollar amount I sent her my bank approved it but they said there not guaranteed on getting my money back and this person needs to be behind bars its not fair to scam innocent people over the internet I got proof of the conversation and this person is a fraud and my Bank of America love to investigate so long but wont credit you the money through XXXX as well too and they are the worst bank ever I lost many money in the past and my bank failed to get the money back I need you guys help please my birthday is XX/XX/XXXX I need help suing this bank and the person scamming me. XXXX was the one who used this fraud to scam people for their money I thought it wasnt a scam until this person is becoming a liar to me I blame both of them!!! And I want to sue them for scamming people on their promotional platforms.
Consumer complaint received 2023-06-20
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. (TN)

I told XXXX, Equifax, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX or # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.
Consumer complaint received 2023-01-10
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: CCS Financial Services, Inc. (TX)

XXXX is reporting inaccurate, fraudulent information of a company that I have never had any association with. I am a victim of identity theft and have provided XXXX with copies of my valid legal identity. /this derogatory data, is resulting in failure of me obtaining a job promotion.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Payments Check Services, Inc. (NJ)

global check services used an invalid account # in XXXX on the XXXX online gaming site I nerver heard of them and they charged me fee 's three of them XXXX on XX/XX/2018 XXXX on XX/XX/2018 ,XXXX on XX/XX/2018 i had money in my account to cover the charges I RECEIVED three letters in XXXX tried to pay what i owe they charged off the account it affected my credit history they say tried contact me by phone they did not send me any more corespondence in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me say i owe them XXXX i thought that may be a scam they called me XX/XX/2018 they offered me to pay XXXX i say no called them back an told them to send me a validation notice they said no agree to pay XXXX.
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

Mr. Cooper XXXX Nationstar Mortgage XXXX is incorrectly reporting my current mortgage loan with them as discharged in my chapter XXXX bankruptcy. The mortgage was modified and the account is open and in good standing per the modification agreement with Mr. Cooper.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

Had a dispute with the bank, the account was due to be closed. Long story short they ended up denying the dispute and closing the account with a negative report on my chexsystems statement. When I called in to speak with someone a very rude woman was refusing to even hear my side of the story.
Consumer complaint received 2023-06-20
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. (GA)

I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).

It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 

ACCOUNT : Creditors Name : XXXX Account XXXX, XXXX. 
Account Number : XXXX Please delete Creditors Name : XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I'm reaching out to contest the presence of this bankruptcy on my credit report. It's worrisome since I have a court document expressly stating it shouldn't be reported to you. Additionally, the unauthorized third-party involvement makes this situation even more absurd.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (CA)

Consider this as my follow-up request. I have been a victim of identity theft and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.
Consumer complaint received 2024-03-27
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. (OH)

NOTICE TO AGENT/PRINCIPAL. [ EQUIFAX ] I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX XXXX XXXX XXXX Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX Failure to comply with these demands will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-05-25
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. (KY)

This is my NUMEROUS 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 items : XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX