davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-12-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Ive disputed accounts with XXXX, Equifax, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX,
Consumer complaint received 2017-03-09
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Veterans Relief Services LLC (MD)

A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have been trying to remove an Bank of America account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (VA)

Hello, While performing a follow-up personal credit check I discovered inconsistencies with XXXX collection accounts that appear on my credit report. The accounts both appear on all three bureau reports, however they have inconsistent naming, address and status information. Here is a summary of what is reporting : LJ ROSS seems to be named XXXX different ways and a different account status : XXXX. The XXXX report indicates the name has an ampersand ( L J ROSS & ASSOCIATES ), does not indicate an incorporation and the account is reported as closed. 
XXXX. The XXXX report indicates no ampersand and indicates an incorporation ( L J ROSS ASSOCIATES, INC ). XXXX is reporting this account as closed. 
XXXX. The XXXX report indicates an abbreviated name ( L J ROSS ASSOC ) and that the account is reporting as open. 

XXXX XXXX is reporting XXXX different names, XXXX different addresses and different status : XXXX. The XXXX report indicates the name XXXX XXXX XXXX XXXX, while both XXXX and XXXX list it as XXXX XXXX XXXX XXXX. 
XXXX. The XXXX report indicates the address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX while both the XXXX and XXXX reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX. XXXX reports the account as open while both XXXX and XXXX indicate the account as closed. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me with a copy of the certified receipt with my acceptance signature displayed. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-07
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. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (OH)

On XX/XX/16 I logged on to my bank account to find that they debited a total of {$330.00} which I have paid out between the XXXX and XXXX of every month. I reached out to ask why they did this since it caused my account to be overdrawn and this is the response I receive is below. I then revoked the automatic ach debit in writing in an email and no response received from them to acknowledge. I took the loan amount of {$700.00}. I have paid back {$2300.00} to date. More than what was borrowed. They are claiming to be a tribal lending entity but I highly doubt that to be the case. 

Hi XXXX, I'm XXXX from Explore Credit. I see that the original amount of {$330.00} had split Into two payments and deducted from your account. If you have any questions, please reach us at XXXX. 




Thanks, EXPLORE CREDIT SUPPORT Client Support Team Office # : XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank has notified they are closing our credit card due to a " publically reported financial investigation ''. No such event has happened. 

Upon calling they will not give any information other than we have to send a letter to appeal, but there is nothing they can do.
Consumer complaint received 2024-04-29
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: Bridgecrest Acceptance Corporation (NC)

Bridgecrest has been intentionally reversing payments in order to make them appear late and charge me random amounts of money. They have failed to respond to the last loan that has these issues and now I am currently having them. This is a horribly problem, as I am a business owner and it has put me in a space where it appears that I pay late, when I don't. This is not only unfair and deceptive but truly fraud and illegal. I have pictures, recordings, witnesses, etc. PLEASE DO SOMETHING!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DYNAMIC RECOVERY SERVICES, INC. (CA)

dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.
Consumer complaint received 2022-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Ive disputed accounts with Experian, XXXX, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX,
Consumer complaint received 2024-02-26
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)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (AL)

Sometime in XXXX of XXXX the postal box in our complex at XXXX XXXX XXXX XXXX was broken into. A number of checks were stolen including XXXX from my office. One of the checks was not cashed and was stopped. The second check was our check # XXXX written to XXXX of our remote typists. The check was for {$840.00}. Who ever cashed the check forged the recipients name on the endorsement. I reported the matter to XXXX XXXX XXXX the branch manager at XXXX XXXX XXXX. She told me that the intended recipient of the check would have to file a claim. I disagreed and filed a challenge to the ( claim # XXXX ) on XX/XX/XXXX. I have heard nothing from the bank since then. 
I filed a police report on XXXX XX/XX/XXXX with XXXX XXXX of the XXXX Police Department. I heard nothing from the police until XX/XX/XXXX. He informed me that the check in question was deposited at a XXXX XXXX ATM located at XXXX XXXX XXXX, XXXX, Alabama. He further informed me that since the check was cashed in another jurisdiction, he could do nothing further. He also informed me that there was no video recording of the transaction, so he didn't think XXXX XXXX could do anything either. 
I think that the bank erred in cashing a stolen check. They were also neglegent in not recording the transaction and not providing information regarding the account that eventually received the check. I am seeking return of my {$840.00}.
Consumer complaint received 2023-05-21
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: Affirm Holdings, Inc (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC  XXXXXXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/1989 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AR XXXX Resident type Single family XXXX XXXX XXXX XXXX, TN XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX , TN XXXX Resident type Single family
Consumer complaint received 2023-04-01
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I am unable to withdraw funds from my paypal account. I have funds available to withdraw. I attempt to withdraw those funds and PayPal gave me a fairly generic message saying they couldn't complete my request and to try again. So I tried again and again and it never worked. I then waited approximately 24 hours and I contacted paypal, to which they told me to wait up to 72 hours from there and my account was being validated. I had already had previous withdraws to my account with no problem, even as most recently as 1 day prior to my attempt to withdraw these new funds. I contacted paypal and they say they do not have the ability to override anything and I must keep waiting and only make one attempt in a 24hr period to withdraw any funds. They are not providing any assistance in getting these funds withdrawn to my checking account. I attempted to close my account and have a check sent within 14 days of my account closure, and paypal will not let me close my account either.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion because they once removed the fraudulent debt off of my file and then put it back on there again. Now all XXXX are reporting it again. I told them per the FCRA, they are supposed to investigate and if there is no proof or response, they are supposed to remove it. I called them and they told me to contact the creditor. I told them that I already contacted them and they have done nothing and they basically said it was my problem and it is between me and the creditor. Transunion does not follow the Federal Credit reporting act guidelines. XXXX is reported twice once again on my report even though I notified Transunion that it is a fraudulent debt. I sent them a FTC affadavit and a police report and they still did nothing.
Consumer complaint received 2023-02-27
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

This is an existing complaint. Could you please tell me the latest on complaint # XXXX? 

I paid off my Ally account and requested it closed. And the existing fraudulent charges be removed from my credit card. I can not log into my All credit card account so I don't know if the charges have been deleted? 

XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I have disputed this information on numerous occasions. Experian 's refusal to properly investigate inaccurate information appearing on my credit file leads me to one conclusion, I am being discriminated against based on my ethnicity and gender. I have several Virginia XXXX accounts appearing on my credit report that lists incorrect information. XXXX account list a monthly payment of {$0.00} and last payment made in XXXX and XXXX. I am requesting a copy and proof of how the payment was made. I have not made any payments to Virginia XXXX XXXX since XXXX. All Virginia XXXX XXXX accounts are reporting beyond the legal reporting time of seven years. Experian refuses to update my credit report to show that these items are in dispute which is a clear violation of FCRA. I continue to receive conflicting information from Experian regarding this dispute. The Virginia XXXX XXXX accounts also list monthly payment terms and date opened incorrectly. Please stop discriminating against me and remove this inaccurate information from my file.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.