davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

Hello Sir/Madam, I appreciate you can assist this case. 

There was a advertising, which mentioned I can earn 2 tier-qualifying night credits for each night I stay from XX/XX/2021 to XX/XX/2021 as long as you applied by XXXX XX/XX/2021 ( as attached ). Then I applied the credit card on XXXX XX/XX/2021. 

When I checked with Chase about my sign-up bonus, the customer service replied I'm not qualified as Chase approved XXXX XX/XX/2021. It doesn't make sense to me as the terms of condition was indicated apply by XXXX XX/XX/2021 not approve by XXXX XX/XX/2021.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Consumer complaint received 2022-05-17
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: BARCLAYS BANK DELAWARE (NJ)

BRCLYSBANKDE XXXX XXXX XXXX 
XXXX XX/XX/22 RE. We have disputed this account.
Consumer complaint received 2019-07-19
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: Equidata, Inc. (FL)

this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud
Consumer complaint received 2022-05-17
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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 2019-07-19
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. (FL)

this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud
Consumer complaint received 2022-05-17
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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 2019-07-19
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 just received notification from Equifax that they completed and investigation and a prior debtor reported TO THEM that the erroneous information from XXXX XXXX is accurate. Equifax further advised me to contact XXXX XXXX directly to address this matter. The problem is that I have already done that and XXXX XXXX confirmed there are no current debts and they also followed that confirmation up in writing. I have sent that confirmation to both YOU ( CFPB ) and Equifax. The company ( XXXX XXXX ) confirmed today that they did not go back and change any information in their system and that my debt has still been cleared. They advised me to seek legal action against the reporting agency ( Equifax ) since they have updated their records and notified Equifax. I have attached the confirmation from XXXX XXXX once again. This problem has gone on long enough. I have proof andI will move to enforce my legal rights immediately if this is not rectified. This will also include seeking substantial damages due to the fact that this negligence from CFPB and Equifax has now cost me a job offer and several potential apartments for myself and my child. I can not tolerate this anymore.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 37 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

It has been over 37 days so they be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc. (TX)

My personal information was compromised and used to open fraudulent accounts and obtain goods and services in my name without my knowledge or consent. I have filed FTC reports for identity theft and contacted HARVEST ASSOCIATES Ito remove this account which was a result of identity theft and they refuse.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

On the date of XX/XX/2022 to XX/XX/2022 I was having an open house and during that time my phone and my wallet were taking. I noticed on the XXXX where I can find my phone that morning and I try to find it and find it and deal with the open house at the same time when the open house was done so can not find my phone so I went to find my wallet and I can not find that neither how much time in the next day thinking I just left it somewhere or missed placed it. At what time finally I grabbed another device XXXX now this was the evening and logged into and found the phone was elsewhere at this time I remotely disabled the phone and remotely wiped it back factory reset it then I just had to look to the banking accounts on the XXXX and I seen that XXXX transactions were going at this time I immediately contacted all the financial services and canceled cards closed and shut off cards and everything so they can not be accessed anymore upon the next morning I filed a dispute on all charges as you can see Ive never charged into these places before with sound Im going over to XXXX and XXXX and everything else ATM withdrawal. I figured they hacked my phone to bypass the password which is very easy nowadays nothings truly locked when it comes to a phone. What is a Financial services have reclaimed my money and if you dont new cards and new protections to lock but still have one company that has denied every single claim they denied the ATM claim plus all the other charges heres a list of everything they denied. 
XX/XX/2022 {$55.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$40.00} ( Sent money to XXXX XXXX  account ) XX/XX/2022 {$210.00} ( Send money to XXXX XXXX account ) XX/XX/2022 {$67.00} ( House of valor $ XX/XX/2022 {$700.00} ( ATM Withdrawal ) I cant believe that theyre denying us its like I wish they wouldve shut the card off as soon as them Weird charging start popping up. XXXX say I had claim with XXXX XXXX  with you guys and you guys made that get corrected and finally taken care of and I was at that with them for months until I finally found your services here so thank you for that
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

The US Bank keeps adding additional fees of {$36.00} and {$25.00} for an Overdrawn Amount of {$440.00} which is unacceptable. As previously stated, the US Bank continue harassment is inflicting me with severe emotional stress. Every time the US Bank harass me I have to visit the local branch located XXXX, and ask the Manager to stop the continue harassment. This trip caused me stress as I am a XXXX with XXXX. Additionally to this, the US bank keeps e-mailing Urgent Notices with unacceptable wordings such as demanding immediate payment and/or collection action and/or bank account closure which is intentionally made to inflict me with severe emotional stress. The US Bank offers Overdraft Coverage to customers that open a Checking Account. The US Bank receives my income amount of {$1500.00} electronically deposit in my Checking Account on the XXXX. Wednesday of each Month as directed by the Social Security XXXX. The US Bank collects XXXX. Wednesday of each month all Overdrawn Amounts plus all Fees ; consequently the US Bank is not loosing any amount of money.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form LOBEL FINANCIAL CORP ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2022-12-16
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. (MO)

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

XXXX XXXX XXXX XXXX, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. XXXX XXXX XXXX XXXX XXXX XXXX with EVERY SERvicer in violation of the LAW
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ability Recovery Services, LLC (OH)

I checked my credit report and noticed a collections from Ability Recovery Services Company for the amount of {$1100.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with Ability Recovery Services. They did not provide me with the original contract as I requested
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2024-04-14
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: Stellantis Financial Services US Corp. (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2022-10-27
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. (CA)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (CA)

This is so despairing. What is happening with you XXXX XXXX TransUnion credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX