davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (MI)

I have previously disputed reference item # XXXX and in response, XXXX verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to XXXX or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

Account : XXXX Please remove this account from my credit report as it is inaccurate and negatively effecting my credit report. 

I have called months ago requesting to them to submit any contract or consent that I owed them debt or consent I gave them to report on my credit report. A cease and desist was also requested which they broke by communicating through a 3rd party medium according to 20 U.S. Code 1234e - Cease and desist orders ( C ). 

I have not contracted or consented with them to furnish anything on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) Disclosure to Consumer subsection ( ii ) and section ( B ) subsection ( ii ) which states ( 2 ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ; ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

Permissible purpose defines the circumstances in which the FCRA allows credit reports to be obtained. These purposes are documented in section 604 of the FCRA as : * In response to a court order * After receiving permission from the consumer * To someone who : * Intends to use the information in connection with a credit transaction.

* Such as the extension of credit * Intends to use the information for employment purposes.

* Intends to use the information when underwritinginsurance for the consumer.

* Intends to use the information to determine a consumer 's eligibilityto obtain a license.

* Intends to use the information to assess credit or repayment risk.

* Or otherwise has a legitimate business need for the information, a business transaction or reviewing an account.

* Is an executive or government agency intending to use the information for travel charge cards.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Consumer complaint received 2023-07-31
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (NY)

details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine
Consumer complaint received 2023-07-31
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-04
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. (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.

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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (NC)

medical data systems is still reporting a delinquent account which was paid several months ago. I have attempted to contact them several times and they will not help me resolve this matter. The last report on this account was 2/21 and nothing since. It needs to be removed immediately
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXX XXXX XXXX Auto Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IA)

Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

COMPANY IS FABRICATING XXXX : XXXX ) COMPANY IS STALLING ON COMPLAINT # XXXX : CFPB DOES NOT PROVIDE FEEDBACK TO THEIR FALSE STATMENT OF NOT BEING ABLE TO CONTACT CUSTOMER. 
AS THEY HAVE REFUSED CALL ( S ) IN TGHE PAST 2 ) THIS TIME AROUND THEY RECEIVED A CAPTIONING RECORDED MESSAGE THAT THEIR CONTINUE STALEMENT TILL XXXX XXXX, 2022 ENCOMPASSING MULTI AGGRECIOUS & OVER CHARGE/ INFLATED DEMAND NOW FOR ADDITIONAL FEES IS NOT ACCEPTABLE.

3 ) THEY HAVE BEEN ADVISED THAT LEGAL AID OF SOUTHERN NEVADA ASK A LAWYER PROGRAM HAS STATED THAT WELLS FARGO HAS A EXTENSIVE REPUTATION OF ABUSING CONSUMERS THIS DELAY HAS RESULTED IN OUR REQUEST TO PUT A STAY ON ALL FUTURE MTG. PAYMENTS UNTIL THIS MATTER IS RESOLVED WITH A REFUND OF INFLATED ESCROW CLAIMS BY WELLS FARGO.

THEY HAVE RECEIVED THAT MESSAGE FOR A STAY BY A CAPTIONING RECORDED MESSAGE TODAY ( XXXX ) 4 ) PEOPLES MTG. KNEW OF THIS STRUCTURAL DAMAGE TO THE BUILDING BUT PROCEEDED TO FALSIFY DISCLOSURE TO WELLS FARGO.

WELLS FARGO INTER PURCHASED A MTG. DAMAGE PROPERTY THAT DUE TO THE EXTENSIVE DAMAGE THE PROPERTY HAS ZERO VALUE UNTIL THE ENTIRE COMPLEX IS EITHER CONDEMN OR SOLD FOR THE VALUE OF THE LAND WHICH HAS BEEN DETERMINED TO HAVE MASSIVE WATER ISSUES
Consumer complaint received 2023-07-31
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. (RI)

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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus 0n XX/XX/2023 to update this suspicious information. I think you have not validated these accounts This was already included in my prior complaint, and I'm including it again. 
Please investigate the accounts below : XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AutoNation Enterprises Incorporated (FL)

CIG Financial, a debt collection agency, regarding their unlawful and harassing practices, which are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address these issues directly with CIG Financial, the violations persist. 

Here are the details of the violations and harassment : Cease and Desist Violation : I sent a cease and desist letter to CIG Financial requesting that they stop all communication. This request has been blatantly ignored, and I continue to receive harassing communications from their agency. This constitutes a direct violation of the FDCPA, which allows consumers to request that debt collectors cease communication.

Threats of Property Seizure : CIG Financial has made threatening statements regarding the potential seizure of my property. Such threats are not only a breach of the FDCPA but also a violation of the FCRA, which prohibits negative credit reporting without valid grounds or while a debt is under dispute. 

I kindly request that the Consumer Financial Protection Bureau investigates these violations by CIG Financial and takes appropriate action to ensure that my rights are protected and that CIG Financial adheres to the regulations outlined in the FDCPA and FCRA. 

Please find attached any relevant documentation to support my complaint, including copies of my cease and desist letter and any correspondence from CIG Financial. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. I eagerly await your response regarding the progress of this investigation and any steps taken to address these violations. 

Thank you for your commitment to protecting the rights of consumers. 

Under the Fair Debt Collection Practices Act ( FDCPA ) : I Requested Validation of Debt : I have the right to request written validation of the debt. They must provide information about the debt, including the name of the original creditor and the amount owed and because of this they are continuing to harass me
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

Ive requested information on enabling auto payments. The company claims that limits need to be at a set amount. The company alerts and communication options via email do not work. The company sends disparaging and harassing messages to the school about my minor child.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX  ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my XXXX and Experian credit reports, a request I have been making for approximately ten years.
Consumer complaint received 2023-07-31
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.