davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have made multiple efforts to reach out to XXXX XXXX for my XXXX XXXX XXXX about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a dispute with Bank of America prepaid card offered by California unemployment. I was asked to send in a police report as well as copies of my id so that it can be used to compare images from atm and or teller withdrawals. My claim was denied and none of the info provided to validate my claim was reviewed. Had atm withdrawals been reviewed and compared to my drivers license Bank of America would have seen that I was a victim of identity theft. My account had been completely taken over and funds stolen. Once I learned about those funds that were supposed to be available to me I called and my account was frozen due to previous suspected fraud. I went into a branch and verified myself yet my claim was not throughly reviewed, no temporary or provisional credits have been applied to my account and the investigation has lasted over 90days. I have provided my lease to verify my proof of residency throughout the time frame from when my card was initially issued and funds depleted from my card. Yet Bank of America refuses to do due diligence and investigate my claim and instead readily deny claiming I must have given someone permission to steal from me
Consumer complaint received 2023-03-21
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 or 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 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have several inquiries that I did not authorize, I have no account with these companies and when I reached out the companies couldnt give me any info in regards to the matter.I contacted equifax to let them know about these Unauthorized inquiries and they will not remove them here is the list of inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you 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 2023-03-21
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-03-21
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)

I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 a account without my Written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.
Consumer complaint received 2023-10-24
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: Resurgent Capital Services L.P. (MA)

I filed XXXX  XXXX XXXX of XXXX  and XXXX was listed on the schedule when I filed. XXXX XXXX  filed a lien on my property XX/XX/2009. XXXX has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (FL)

The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt  Collection Practices Act have been blatantly violated by this unknown company. 
The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur
Consumer complaint received 2023-06-12
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. (MI)

XXXX XXXX and equifax are reporting an XXXX account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management has not validated debt that they claim i owe in the amount of {$1100.00} from ( XXXX XXXX XXXXXXXX XXXX ). Over 30 days has passed since I wrote the company asking them to validate the debt or to remove it from my credit report.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (MA)

I had a {$1000.00} transaction done on Skrill Inc using their app for international transfer on XXXX XXXX. The transaction was cancelled and my account was closed immediately by Skrill, but the amount was deducted from my account on XXXX. No explanation was given nor did I have an option to appeal as I believe I had not violated any policy. After reaching out for the reason, I was provided with a copy of their faq. After following up multiple times for the refund, they told me a different story every time. First I was told 5 days, then 7 days and finally, they say they can not provide any estimates on refunds. I have no clue if the amount will ever be refunded.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc. (DC)

The monthly XXXX dollar payment made to self XXXX  account on XX/XX/2020 was not credited to my account balance by Self XXXX. The statement says that a payment was not made in XXXX and that I am behind XXXX dollars which is not true. I believe they are retaliating due to a previous complaint made to the Consumer Financial Protection Bureau and publishing it for others to review.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? My LexisNexis report is frozen as well so how is XXXX, XXXX, and XXXX  verifying this debt as accurate? None of the information even reported by LexisNexis is accurate. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN  Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2023-03-27
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. (WA)

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 # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX 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 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for a business credit card for XXXX XXXX XXXX XXXX  with my banker at Chase. It was for a chase business ink card. 

Despite my multiple attempts and the credit pull showing up on my report, I never got a response if I was denied or approved. I called many times and Chase could not let me know. Here we are over 7 months after the application and still no sign of a decision. I think Chase got very busy with PPP and Covid, but still, the logic escapes me as to why I would get a hard pull and no decision. That has never happened to me before.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (CA)

Receiving a vague voicemail from the this phone number twice threatening that if I dont take action, they will take it to the next level. 

They are claiming to be from Direct Recovery Services. 

I have not received any formal letter on this matter and have my suspicions.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

I contacted the company called Ad Astra Recovery services in regards to something that was on my credit. I did not do this nor know anything about it. Well when I contacted them and let them know at the time it was reported on there as purchased my wallet was stolen at work that day. Well, they told me I needed to file identity theft with identitytheft.gov and send it to them through the site. I did this. They also said I could email it too. I emailed it on XX/XX/2020. After 2 months on XX/XX/2020 I checked my credit again, and it was STILL showing. I sent the information again and called them again on XX/XX/2020 only to be told they " don't receive it that way and the lady I first spoke with lied to me ''. I was highly upset. I said this is identity theft and wanted it removed. The company said I'm still responsible for it even though I've already taken the necessary steps to resolve the issue. Well, she informed me I had to RESEND it again but this time I was ONLY allowed to mail or fax it. so I took the information down and researched how to resolve this issue another way since they are useless in helping me out. 

Ad Astra Recovery services will continue to request you resolve this issue with them directly even if you had your identity taken and stolen and took the proper steps. I don't know who this company nor the original is but they are THE WORST company ever.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the XXXX  Attorney Generals office, XXXX XXXX XXXX and more complaints to the CFPB will be filed.
Consumer complaint received 2020-12-15
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: Consumer Adjustment Company Incorporated (CA)

Hello, Today - I checked my report and to my horror I saw a entry from consumer adjustment company. This is not my account. Nor has it been verified as mine. It list without dates. And my signature.