davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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. (NJ)

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. 
XXXX : # 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 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 2024-02-06
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/XXXX, my neighbor was walking her dog by my house and she said she heard this guy was trying to serve me and she saw him taking pictures. I said let me do some research because I dont owe any pass debts. I said let me check my credit report and I see Midland Funding filed a case on my credit report on XX/XX/XXXX. So that means they had 3 years to sue me for a debt outside the statue of limitations. Maryland said you have a period of three years after the act which caused you the harm to file a civil lawsuit. Its XX/XX/XXXX so thats almost 4 years. My neighbor then said XXXX look like they try to take you to court on XX/XX/XXXX for a civil case in Maryland District Court. Not sure how she knew that but If that is true once again Midland violated the Statue of limitation because it now 3 years and 3 months since that last activity. No Im being harass outside the statue of limitations for a debt that I do net owe to Midland Funding. I never got any credit from them. Im not paying anybody outside the statue of limitation but I like to see the original documents where I owe them. If they have no proof of the original documents, therefore I dont owe them anything and they need to stop harassing me.
Consumer complaint received 2024-02-06
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} 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 {$390.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I tried to acces my credit report today, XX/XX/22 and I was unable to do so. I was given the code XXXX  to provide to customer care ( euphemism ). I tried several times to get through the robot and I was hung up on several times, by a robot. Once because I sighed when answering the secuity questions and another when I finally found the secret way to get to an agent. The reporting agencies have all made it impossible to access our credit reports so we can't dispute information. This needs to be fixed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

Hello, I part took in the US BANKS forbearance program for about 12 months until I was no longer in financial hardship. I notified the bank and I was given the option to modify the loan which I have done so and I'm actively making payments since contractual signing. 

The issue that's occurring is my XXXX score is showing serious delinquency ( 60 days past due or greater ) derogatory indicator on my account. This is not accurate. I have made all payments in cooperation with the forbearance program, on time and current. 

I have called XXXX, XXXX, and XXXX. They all confirmed I do not have an account in this standing and were unable to help file a dispute. I have received hard copy credit reports to confirm. 

I also called USBank and they confirmed they are not reporting any negative marks on my credit. 

This issue has caused me to be denied credit lines recently and it dropped my XXXX score by about XXXX points. My credit report is at 18 % utilization and current, yet it's being damaged by this derogatory mark. If this is a result of the forbearance, my credit is protected under the cares act, and they are to report the account as current, not delinquent.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed the following items with XXXX and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative XXXXNeeds Attention Last reported : XX/XX/XXXX {$2600.00} In Collections/Charge-off Show closed ( 1 ) COLLECTIONS XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4000.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX {$880.00} Needs Attention XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

After recently experiencing several unauthorized payments from two of my Chase checking accounts ( business and personal ) and successfully getting credited back the funds, unauthorized payments of {$1100.00} to a company I have never done business with and {$33.00} FOREIGN EXCHANGE RATE were withdrawn from my account on XX/XX/XXXX, Type : Card. I called to dispute the payments and was given a courtesy credit for both which were reversed XX/XX/XXXX. On XXXX I called the company that had collected and was told that they had no record of the transaction and were not currently processing any orders. XXXX I called Chase and requested the evidence used to deny the claim for refund. I also called about a week later because I had not received the mailed letter. On XX/XX/XXXX I called Chase Customer Claims Department and was advised to fax new evidence in order to reopen the claim. On XX/XX/XXXX I emailed the company for information, then called repeatedly on XX/XX/XXXX. I was emailed a warning to desist and a copy of their transaction timeline showing it was flagged for elevated risk of fraud, reviewed and approved by them, which I faxed to Chase on XX/XX/XXXX and went to the branch but was asked to wait for approval. XX/XX/XXXX Chase resolved the claim. I followed up by calling and going to the branch, but I have not received notice of the claim being reopened.
Consumer complaint received 2024-02-06
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. (PA)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report.If XXXX does not have documentation to show these were in fact authorized it must XXXX removed XXXX company is liable under the SEC to follow certain rules. XXXX XXXX file number. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 treasury omg forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had an XXXXXXXX XXXX on XX/XX/XXXX and set up a payment to be made towards Capital One automatically for my payment due date of XX/XX/XXXX of {$500.00}. This was made through their automated system. The payment was not made as it was requested and in XXXX had realized this, now making my XXXX payment 30 days past due. This mistake on Capital One 's part has affected my credit in such a negative was that it has dropped my score where I can no longer apply for certain things like a home refinance or other credit cards. I went ahead and made my payment again by phone to be deducted that day, where it was finally drafted as requested. But I still have a derogatory mark on my credit report.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Multiple charges on my Citizens Bank Debit card was done today on XX/XX/19. Five charged  for {$4.00} to unknown as of right now, one charge for {$7.00} to " XXXX '', two charged of {$79.00} and {$16.00} to " XXXX XXXX '' and one final charge for {$14.00} yo " XXXX XXXX XXXX ''. One other charge for {$390.00} was declined, and was alerted to me by the bank earlier this morning. 

The card was not stolen, but these charges were still done. I alerted the bank, but a friend of mine told me to take an extra step and address this to the consumer protection bureau, as well as the police.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uber Technologies Inc. (TX)

XXXX  and XXXX has been spying through my old XXXX XXXX XXXX XXXX since I bought it back in 2013 in XXXX. I used to own a XXXX XXXX which was totaled in XXXX, IL. 

I used the money from my XXXX to purchase the XXXX. The XXXX was my only mode of transportation and carried me on countless trips back and forth to XXXX XXXX, and the Texas area. I no longer own the car, however, I continued to receive " promotional '' content regarding the vehicle. I believe XXXX  and XXXX are spy agencies geared towards controlling the world using their drivers, cars, and illegal XXXX XXXX XXXX   schemes to force the world to think, act, and believe anything they say. I will never work for them again in any capacity, and ever since I began working for them, I have been unable to escape their greedy illegal tactics.
Consumer complaint received 2018-10-12
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. (NV)

On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

experian, XXXX and XXXX   all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

I have a Bluebird prepaid debit card with American Express. On Tuesday XX/XX/2018 I received an email stating that I needed to verify my account or that it would be deactivated. On Wednesday XX/XX/2018 I had a scheduled direct deposit of my paycheck going to the card, which indeed posted, however only minutes later, someone assumed my account and made 2 unauthorized money transfers to someone named XXXX XXXX. The first was in the amount of {$47.00} ( XXXX ), the 2nd transfer was for {$1000.00} ( XXXX ). This left my family with {$0.00} total - I immediately in less than an hour contacted American Express upon receiving the email notifications of these sent money transfers, however they stated that the money was already gone. They opened the fraud claim investigation. I filed a police report with XXXX XXXX police department in XXXX SC. Friday night XX/XX/18 they emailed me stating that my claim was denied because the transfers were authorized. I insisted and they reopend the investigation, per their own policy they state that they may take up to 45 days to conduct their investigation, however a provisional credit will be issued if it exceeds the 10th day, and that I would have been made aware of the progress being made, and I've heard nor seen anything and the 10th day was on XX/XX/2018. I forwarded them the screen shots of the emails that are still actively coming to me to " verify '' my account as well as gave them information pertaining to where the police report was filed at,.
Consumer complaint received 2018-10-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian 's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX XXXX : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports.

These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of Experian and XXXX Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Consumer complaint received 2022-06-11
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: I.C. System, Inc. (GA)

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE ( XXXX XXXX  XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.