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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete
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. (FL)

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-01-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 or information which is found to be opened due to identity theft. The dispute items 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

I am writing this report as Im a victim of fraud. I checked my credit report and found that someone had use my ssn to run a backgrouch check on me to take out a lease for an apartment. The company ( creditor ) trying to collect the debt is XXXX XXXX XXXX. I have never interacted with them, never signed any physical documents online or in person, I have not received any physically evidence that I agreed to any lease. Once again I am a victim of fraud and this debt that this company is asking me to pay does not correspond to me. I have contacted the both parties, XXXX XXXX XXXX and the debt collection agency Hunter Warfield who is now trying to collect XXXXXXXX XXXX claiming that I ower XXXX XXXX XXXX for a lease on an apartment Ive never leased, signed, nor ever agreed upon.
Consumer complaint received 2024-05-12
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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  inquiries 1. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 6. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Proof of identity : [ a copy of my drivers license/Copy of Credit Report
Consumer complaint received 2023-05-24
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. (FL)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2023-05-24
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)

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 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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : -
Consumer complaint received 2023-05-24
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Zelle Corporate Headquarters Subject : Urgent Matter - Fraudulent Activity on Zelle Account Dear Zelle XXXX XXXX, I hope this letter finds you well. I am writing to report a serious issue involving fraudulent activity on my Zelle account, which I believe requires immediate attention and resolution. 

I recently discovered unauthorized transactions that have taken place using my Zelle account credentials. These transactions were not initiated by me, and I suspect that my account might have been compromised or involved in a scam. The unauthorized transactions have caused a significant financial loss to me and have raised concerns about the security of my account. 

I kindly request that your team investigates this matter promptly. It is crucial that the fraudulent transactions are reversed, and the necessary steps are taken to secure my account from further unauthorized access. I understand the importance of cybersecurity and customer protection, and I trust that Zelle takes these matters seriously. 

To assist with your investigation, I have included the following details : 1. My Zelle account username : n/a 2. Date of unauthorized transactions : NONE XXXX. Description of unauthorized transactions : NONE 4. My contact information : Email Address : XXXX Phone : XXXX I would appreciate it if you could keep me updated on the progress of your investigation and the steps being taken to resolve this issue. Additionally, if there are any actions I need to take on my end to enhance the security of my account, please let me know. 

I am confident that Zelle 's customer support will handle this situation promptly and efficiently. I urge you to prioritize this matter due to the financial and emotional distress it has caused. I am hopeful that we can work together to resolve this issue and restore my trust in the security of my Zelle account. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this distressing situation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP (NY)

I received a letter from the New York City Marshals office of a notice of garnishment of wages. The complaint came from Forster & Garber LLP. I contacted both the marshals and the lawyer stating I never had this debt. This debt stems from XXXX of a XXXX XXXX  Credit card. This is something I was unaware. When I questioned this the law firm of Foster & Garber and asked to provide me proof they said documentation was sent but i said never received anything. When asked for proof they failed to provide me any documentation. There is a lapse in time from XXXX interest the XXXX interest. According to the marshals I was contacted in XXXX which was disputed, and nothing came about. Now again contacted again in XXXX no longer able to dispute. I have called the lawyer numerous times to discuss since Monday the XXXX, only called back once. I have only to the XXXX of XXXX to pay this before legal action is taken. I do not know where else to turn.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am reaching out to seek assistance regarding a matter of check fraud that we have experienced, in which JP Morgan Chase & Co. has not provided resolution to our satisfaction. 

Details of the incident are as follows : Check Number : XXXX Check Amount : {$5900.00} Payee : XXXX XXXX The check, as mentioned above, was discovered to be forged. Upon realizing the fraud, we promptly approached JP Morgan Chase & Co., our banking institution, with all the necessary documentation and evidence. To our dismay, JP Morgan Chase & Co. has declined to reimburse the aforementioned amount, leaving us at a financial loss due to the fraudulent activity. 

We have always relied on our bank to safeguard our assets and to act promptly in our best interest, especially in circumstances involving fraud. The current lack of action on their part is not only disheartening but also questions the trust we've placed in their institution. 

We kindly request the Consumer Financial Protection Bureau 's intervention in this matter. It is our sincere hope that with your assistance, this issue will be resolved justly and promptly. 

Please find attached the copy of the forged check to aid in your investigation. We are ready to provide any further information or clarification should it be required. 
We appreciate your attention to this matter and thank you for your dedication to ensuring consumers ' rights are upheld in the financial sector. 
Warm regards, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Telephone Number : XXXX
Consumer complaint received 2023-05-13
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. (GA)

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XX/XX/XXXX
Consumer complaint received 2023-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

The loan originated with XXXX XXXX. It was sold to NCB Management Service. This lender is trying to collect on a debit on that was paid for and settled on already by XXXX directly. My credit report clearly shows that XXXX XXXX was paid, sold to another lender, and then collected the monies owed and settled out the account. Now the 3rd party lender wont remove the same monies for over {$9000.00} that have already been paid for.
Consumer complaint received 2023-01-03
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)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (AZ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-01-03
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (ND)

I received a phone call yesterday, XX/XX/2023 and approximately XXXX from First Credit Services . After speaking with them, I was unaware of the debt they stated I owed. I explained that I would like to dispute the debt. The person on the phone gave me my file number and an email I could send information over to. Immediately following the conversation, I wrote out a dispute letter asking for all the information about the debt, wanting proof they can collect debt in the state of North Dakota, etc. If I know my rights correctly, they are not allowed to attempt to collect the debt after the dispute has been made. The gentleman I spoke with on the phone also stated he was making note that I am disputing the debt. Today at roughly XXXX, I received an email from the company with an attempt to collect the debt. The email is a copy of what they would send me in the regular mail to attempt to collect.
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 — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (LA)

On XX/XX/2023 I went to a car dealership in XXXXXXXX XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that FCRA 605B requires the elimination of any erroneous accounts from my credit report. Would you kindly examine the documents? Numerous listed accounts are inaccurate, and it's unsettling for me.
Consumer complaint received 2023-02-14
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 filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (TX)

I told the CEO I would pay the debt. ( XX/XX/2022 ) I paid the debt in full ( XX/XX/2022 ) They claim I didn't pay it ( XX/XX/2022 to XX/XX/2022 ) I asked for my payment coupon back. ( XX/XX/2022 ) They " lost '' it and/or " did not credit '' my account ( XX/XX/2022 ) I wrote them to send payment back to me or discharge the debt. ( XX/XX/2022 ) I received notice that because I didn't adhere to my " card member agreement '' they would " reserve the right to report the account as delinquent to all credit reporting agencies '' ( XX/XX/2022 ) On XX/XX/2022 I sent a certified mail letter demanding they either return the payment or discharge the debt. I have not heard from them except that they will report this account delinquent.