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 — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I've sent a complaint through CFPB to resolve the dispute. XXXX XXXX XXXX Account XXXX XXXX. 

I received a response from the company. They stated that the account was 100 % verified to me through the mail. I found inaccurate information with this. 

Nothing can be verified to me if there's in correction misspelled to my government name. I have the confirmation # for this letter ( XXXX ), company name Equifax and Credit file : XX/XX/XXXX. 

Again, I hope we can resolve this issue. This paid collection that's been on my report since XX/XX/XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
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. (SC)

I requested a copy of my credit report from XXXX and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately XXXX account inquires which shows XXXX did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe XXXX failed to use XXXX for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

I leased a vehicle back in XXXX with Ally finance I address my issues in regards to my fees last XX/XX/XXXX I am still paying, I have reached out to them multiple times to please show me why the extra fees to also send me a detailed of those fees so I can dispute them, I havent got a detailed mailed to me or any results and every time I make a payment I see another fee added to my account last month my pay off was XXXX and now this month its XXXX Ally financial is charging me {$780.00} in additional fees. I honestly think that Im being ignored and taken advantage of as a consumer. I would like to know if there is anyway I can solve this problem. 
I can be reached at this number XXXX Thank you
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collectibles Management Resources (CA)

I am a victim of fraud regarding accounts with XXXX XXXX XXXX XXXX Collectibles Management Resource. I was sold a motorcycle that was stolen. XXXX XXXX XXXX allowed a stolen vehicle to be finance. The lack of security and verification from operating XXXX XXXX cost me financial burden. Now my credit is impacting me financially and emotionally from this. I filed a police report and complied with all parties during the incident. Please delete this negative reporting from my credit asap. The police report number is : XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I went to the emergency room on XXXX XXXX, XXXX. The hospital has released all of the amount charged via their internal program to waiver fees due to my circumstance. An emergency room doctor/team member billed me separately and decided to sell my information to collections. 

I have continued to receive debt collection calls via robocalls daily from " Credence '' during work at least 3 times daily since XX/XX/XXXX. When I answer, I hear dead air then a recording that says this call is being recorded... When I wait for someone to speak with, they barely speak English and can not discuss " details '' of the call. 

In XX/XX/XXXX, I asked them to stop calling because I am at work. It is now XX/XX/XXXX and I still receive robocalls from this company consistently. How do I resolve this matter?
Consumer complaint received 2019-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I bought a phone from a guy on XXXX. I sent him the money on Wednesday XX/XX/XXXX through XXXX and he said he'll ship the phone on the upcoming Friday which was the XX/XX/XXXX. He told me he sent the phone and I asked him for the shipping information and he said he would give it to me. The next day I still didn't get the information and I texted and called over the next few days with no response. Today is XX/XX/XXXX and there's no sign of the phone or the guy I bought it from. It looks like I got scammed.
Consumer complaint received 2022-05-17
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account as my personal account and online freelancing since XXXX.My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopin

g that I will get back my account and able to withdraw my funds. Tha nk you and Godbless. For Identity verification, I attached my Valid ID. Please see attachment.qq
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Went to XXXX In XXXX XXXX, KY. I should of known better as have only went a few times and they are ALWAYS having issues with machines. This day, they have two ATM Pay machines side by side. I used the one on the right. Tried to withdraw {$100.00}. Kept hanging, pressed the " closed option '' that was shown on screen, and then it was blank. Nothing came out, received no money, no paper slip. I then slid over to use the one on the left with no problem. I was concerned so I immediately called the Bank of America # XXXX to check and showed both transactions. I waited til next morning as nearby bank is on a military post ( XXXX XXXX, KY ) They couldnt help me but allowed me to get thru the CS ( after XXXX minutes ) I thought I explained it to her. Today I get a message from bank that stated We have determined that this dispute is not a duplicate charge because the transactions were made either at different times, different dates, different terminals and different reference numbers. I said that, and that I didnt get the money ''. I dont know if the Security at XXXX XXXX would have a video of this since it was several weeks ago. I had this done to me from a Credit Union before, and nothing came out BUT they took care of it. Customer Service at BofA is nonexistent, told me to call- which I did this morning, on hold for XXXX minutes- no answer. ( the workers are working from home ) using canned responses especially on XXXX
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

This company has inaccurately reported late payments on my consumer report. This account contains a finance charge, which is the sum of all charges, therefore the account was paid in full the moment it was opened. I am the original creditor who has granted these creditors the right to extend my credit back to me and they are attempting to say my payments were late. I've also filed a fraud report stating that these alleged late payments were all unauthorized during the months they were late and they still refused to update these payments.
Consumer complaint received 2022-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

After reviewing my credit report, I noticed the account XXXX  XXXX XXXX XXXX, was reporting some inaccurate information to the major Credit Bureau Experian. I noticed that the Date of Last Activity, Date Opened, and Payment Frequency was reporting differently across all three credit reporting agencies. I submitted a factual dispute to Experian showing them the errors on my credit report. Based on the information I provided them, I told them that based on the inaccurate information that was being reported on my credit report, the resolution I would like is for the erroneous information to be deleted off of my credit report. Experian performed and investigation but did not give me the results that i requested, nor did they update any information that was reporting inaccurately. I will submit documentation of the letter that I sent them and I will also provide their correspondence.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees of Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All Capital Corporation itself . With all due respect, This is a big scam because the non affiliated financial institutions which are Equifax, XXXX, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Consumer complaint received 2023-07-19
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. (VA)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is regarding an existing issue with transunion XXXX and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies and deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud XXXX XXXX, XXXX, {$3800.00}, XXXX XXXX XXXX  XXXX, XXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX, {$2900.00}, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$6100.00}, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, {$3200.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$2900.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX, {$6300.00}, ( XXXX ) XXXX, dXXXX XXXX XXXX XXXXXXXX, XXXX, {$10000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX XXXXXXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXX, XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I XXXX XXXX entered into a consumer credit transaction with Citizens Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank made me purchase insurance separately.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc. (MA)

XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.