davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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)

I did not open ANY account with " THE XXXX  XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXX 's and Equifax 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with THE XXXX XXXX/XXXX, XXXX, and Equifax. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and THE XXXX XXXX/XXXX  verified the account as accurate when it was not. The XXXX XXXX/XXXX  account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.
Consumer complaint received 2024-06-24
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (CO)

So I have had money taken out my dash of direct account which wasn't me and I was trying to get my money back so I called Dasher Direct and he told me they couldn't do anything. They told me to call the merchant which was XXXX XXXX so called XXXX XXXX and they told me they couldn't do anything since I don't since I didn't have a XXXX XXXX. They told me to call the bank the so I called the bank and the bank said to call - Dasher direct that they couldn't do anything, been really aggravated cuz nobody can can seems to be able to help me get my money back and I worked for that money it's not fair. I want my money back now please. It seems ridiculous that none of these companies can help me out to get my money back that was taken from me
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (AL)

I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY  XXXX  CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM EQUIFAX AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Consumer complaint received 2023-08-23
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: HYUNDAI CAPITAL AMERICA (TX)

I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Consumer complaint received 2023-01-02
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. (MI)

In XXXX of 2020 Equifax gas a credit breach and my information was compromised resulting in unwanted charges as also credit inquiries. My email address has been compromised as well as my back account.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraudulent due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that inquiries are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/2024 I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (MO)

AWA collections is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.
Consumer complaint received 2023-05-23
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 an 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 conviction 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 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/23 a payment of {$490.00} was made to XXXX XXXX. We talked on XXXX  and they made a fake page linking them to the main one. They took my telephone, address, and email information and sent over an " invoice ''. They were responsive the entire time until payment was made via XXXX. Once payment was made no update on conversation has occured on tracking or product location. I sent a request for the money back and that request has been ignored.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (AZ)

The complaint is filed against XXXX XXXX XXXX XXXX Financial Advisor XXXX XXXX XXXX XXXX XXXX for demanding upfront money for co-payments of {$150.00} per day on XXXX XXXX while NO BILLING was presented to my health insurance company. Such fraudulent attempt to collect upfront money is illegal. His illegal action was reported to XXXX XXXX and to my health insurance company and is disclosed to this Agency. Additionally, his harassment and illegal action to collect monies upfront is included in the medical malpractice case against XXXX XXXX XXXX XXXX. <P/>The dispute of charges started with XXXX XXXX XXXX XXXX to stay only 3 days as Inpatient. During those 3 days I was XXXX with an excessive amount of XXXX and XXXX XXXX which caused XXXX XXXXs. As the result of such medical malpractice I had to seek additional medical care at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX causing additional medical care expenses. Presently, I am making monthly payments, some have been paid in full and the disputed balance is pay in monthly payments, XXXX, XXXX and XXXX XXXX and next payment is due on XXXX XXXX, XXXX. Therefore, as long a payment is made, the balance can not be sent to collection.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (TX)

I have always made payments on my mortgage in a timely manner to Mr Cooper but for some reason in there poorly kept accounting system they have me late paying XX/XX/year> and we are in XX/XX/year>. I don't know who is entering payment information but no one entered any payments on my account scene XX/XX/year> why I don't know. 

In XX/XX/year> i get a letter from Mr. Cooper saying my home is in foreclosure and I am {$5400.00} behind on payments and this is not true. Mr. Cooper has been sued years ago for mistakes and unfair mortgage Practices. Mr. Cooper is one of the worse mortgage company on the markets and has many complaints. This company can't keep up with mortgage payments. 

I recently sent a letter to Mr. cooper to prove that I have not missed any payments and my home should not be in foreclose on. They claim they will investigate and get back with me. 
as of today I am still waiting to see what they says about the so called missed Payments which I given the written prof no payments have been missed. 

If Mr. Cooper still claim that they will not accept my bank statements my next move will be law suit. 
Right now we are still waiting to see what Mr. Cooper say.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged off the account. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor is a violation of my protected rights under the SCRA.
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMCOL Systems, Inc. (TX)

I have contacted them trying to get information on this debt, I was given the information and after contacting them they have continuously called me to try and attempt to collect this debt ... XXXXthey call and tell me that I will pay either way if they have to deduct from my checks or sue me ... has also been told that I will be arrested and brought to court by a lawyer ... .soon after that I stop answering the phone when they call. I do n't believe that I owe this amount I have also asked them to send me the information in the mail and has yet to receive that info.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (OH)

I opened a new checking account with an offer to receive an account bonus of {$300.00} upon making a direct deposit of {$500.00}. Upon completing the offer code requirements I allowed the 15 days for the credit to be applied, but it was not. I called Chase customer support and was advised no code was applied. I escalated the call and was advised to get a new code emailed so I did. The agent added the code. Later in the call the agent said I am not eligible for the offer since I have account in 2022. The issue I am having is this is classic bait and switch. You offered me the option to open a new checking account and sent me a code. I opened the account with said code and then you informed me I will not be receiving the cash bonus of {$300.00}. The correct and right thing to do is to honor the offer you provided me. The agent said the offers are sent to people randomly and nothing can be done. I do not accept this.
Consumer complaint received 2024-06-14
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: Upgrade, Inc. (IL)

Upgrade charged off my accounts after reporting a full debt validation with the company. Never received any information back. They sold the accounts but still reporting to my credit profile incorrectly. According to the FCRA LAWS A CHARGED OFF ACCOUNT THAT HAS BEEN SOLD NEEDS TO REPORT AS SETTLED FOR LESS SINCE THEY SOLD IT AND RECEIVED PAYMENT FOR DEBT.
Consumer complaint received 2023-01-02
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. (NC)

{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-05-23
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a zero balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-01-02
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. (NC)

I have communicated with the XXXX XXXX XXXX and Experian on several occasions, via email asking for my original contract with a wet signature to furnish to validate the debt amount owed. I also disputed the charges and wrote a statement and Experian has ignored me. I contacted the Experian credit bureaus to validate the debt in which XXXX XXXX  claim I owe. I never gave Experian, XXXX XXXX XXXXXXXX XXXX any written instruction to furnish any false inaccurate information on my consumer report which is a violation of 15 USC 1681b.

I am not in dispute with the ownership of the account, but this account is paid and should reflect as such furthermore, I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by XXXX XXXX XXXX in direct violation of this law ; Furthermore, the XXXX also accepted a CASH down payment of DOWN PAYMENT AMOUNT of {$1500.00} violating XXXX XXXX Code XXXX which clearly says that the finance charge, does not include charges of a type payable in a comparable cash transaction. I am asking for this account to be removed immediately, as it continues to be harmful and caused severe stress and anxiety, due to the abusive and unfair practices which is also a violation of my rights for 5 years now.