davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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: DISCOVER BANK (NY)

DELETE HARD INQUIRES In accordance with Fair Credit Reporting act, the lis of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604a SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instrutions.

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 ) ( a ) 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 cause to believe that the information is inaccurate. 

Please DELETE theses accounts Below : XX/XX/2022 DISCOVER XXXX XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : 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 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 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 2023-03-08
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts XXXX. XXXX XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Good Afternoon, I changed my flood insurance. The mortgage company ( PHH Mortgage ) paid on my new policy and my old policy even though the old policy was cancelled and did not request any money. The mortgage company shared they were trying to be proactive in making this unsolicited payment for {$3000.00}. The old flood insurance company confirmed they had not received a check and, even if they did they would send it back to the mortgage company as they no longer have an active account with me. The mortgage company is advising the check will be refunded to me from the cancelled insurance broker and i need to supplement the escrow account by {$3000.00}. I do not understand why this uncashed check can not be cancelled and the funds returned to my escrow account. 
At this time I've lost {$3000.00} and have been asked to pay an additional {$3000.00}. I feel discriminated against as a single woman / mother where i am being victimized into paying twice by this company. 
All guidance and help in addressing this issue is very appreciated. 
Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AR)

There is a charge-off showing on my credit report from XXXX XXXX XXXX that should not be, I was in a wreck, and I didn't find out there was a balance until the insurance company submitted the check! I have attached all the paperwork with this complaint, that show and prove that the balance was paid in full! Please remove this charge-off from my consumer report.
Consumer complaint received 2023-07-08
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 am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. 
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX  I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They are violating 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Section 616 & 617 611 ( 5 ) ( A ) of the FCR 15 U.S.C 1681 section 602 15 U.S.C 1681 Section 604 A Section 2 They did not provide me with the original application like I asked.

Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Consumer complaint received 2023-07-08
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. (LA)

XXXX ( Finance ) IXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX Inquiry-XXXX XXXXXX/XX/XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 items, 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 remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.
Consumer complaint received 2023-03-03
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)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AFFIRM- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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)

My name is 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 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NY)

My deposit account is overdrawn and they are charging me fees and interest this is not fair to me their are also fraud charges I had {$3000.00} in my account and now it shows as if I owe them - {$500.00} this is ridiculous I want my money back that they stole from my account debit card and the fees reversed
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX around XXXX Eastern time I received an email from Ally Bank that I needed to give them a call and verify some information. I immediately attempted to log into my bank account and discovered that I was unable to, and received a message that my account was blocked or inactive. I can't even access my bank statements or anything, just a mostly blank screen. I called the customer support line and was told that the fraud prevention team had restricted my account. I was transferred to a fraud prevention associate who asked me a series of questions that I answered. They told me that someone would reach out to me if they needed additional information, but was unable to provide a timeline or any information about my account balances or the reason for the restriction. It is now five days later and nobody has reached out to me to conclude their investigation. I've called the bank multiple times to request additional information and to request a meeting with the investigator but nobody is willing or able to speak to me about this. I had over {$300000.00} between my checking and savings accounts and I have no idea whether that money is still in the accounts or gone forever because they won't allow me to log into my account or get confirmation over the phone. I've offered to provide statements from my other banks or whatever else they need to resolve the issue quickly but nobody will speak with me. Dealing with customer service almost feels like talking to someone that's trying to scam you.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-03-03
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. (IL)

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 account 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 Balance : {$390.00}
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 a account without my written instructions
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: Southwest Credit Systems, L.P. (GA)

Account # XXXX Southwest Credit System Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Consumer complaint received 2023-07-07
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. (CA)

All last year I tried to update but no luck and I don't remember specific dates because it was several XXXX XXXX XXXX I have tried several times to update and remove inaccurancies with Equifax and they say Items are considered Current with Equifax. Formerly known as name is wrong, 2 addresses are wrong ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Employer is inaccurate not XXXX printed out my credit report and the inconsistencies with my credit report.They keep denying me the chance to update, inconsistencies. I call their customer service number and their very impatient and rude with me. I'm trying very hard to pay off all my debt now that i got a new job. I'm almost done paying off all my debt! I'm just trying to get a positive outcome. I just want to make sure I'm not paying off someone else 's debt. Thank you, have a great day.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One/Kohls PAYMENT XXXX Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/year> BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never applied for card. Disputed with bank and demand delete account on file
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Alleged debt was purchased by this collection company and on XXXX  I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking LVNV and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.
Consumer complaint received 2024-02-26
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.