davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax Inc. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, Capital one and XXXX XXXX services I never authorized.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX, XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : 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 instruction.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, XXXX XXXX and XXXX XXXX services I never authorized.
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (TX)

Experian has been reporting false information on my credit report I have sent many letters and have called them to please verify the information on my credit report they have refused to send me proper paper work stating the accounts belong to me and as of today there has been nothing done I am once again sending Experian a letter asking to verify the accounts the keep reporting are listed below XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX XXXX NUMBER XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accelerated Servicing Group LLC (FL)

I have spam blocker activated in my phone so I can't answer the calls... they are trying to collect a debt from XXXX 's Rental from 2010 and call at least 5 times daily ... I can give exact times if needed. The name of the company is ASG Recovers.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

My debit card was lost and was used in a identity fraud scheme and my account was used and filled with XXXX and I disputed the claims and everything went well and they said that it wouldn't be back charged to me. Now they are saying the claims were denied and that I owe the money
Consumer complaint received 2022-12-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2022, I sent my first letter to XXXX XXXX requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have tried several times to have Equifax to investigate inaccurate accounts on my credit file. USC 1681i ( a ) ( 5 ) states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am an individual who was affected by the Equifax customer information breach, and I reached out to their customer support line today to get information about what information of mine was compromised. 

When I called Equifax, they were wholly unwilling to tell me which personal information was made available in the breach, and insisted that I sign up for their paid credit monitoring service, which is also subject to mandatory binding arbitration without any opt-out option. 

I am deeply disturbed by this, as I would like to know exactly what information of mine was made available, and I wish to reserve my legal rights, particularly because it 's almost impossible not to have information with Equifax at this point in time.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, 2017, Equifax announced a security breach. I went to their website and clicked on the information about it. I followed a link to enroll in free monitoring service. It said I was affected and to enroll. I followed instructions, but the link just keeps looping me back to the original website and will not allow me to enroll. I called the hotline number Equifax has set up to report this issue, and all it does is either ring busy, or answers, takes you through prompts, puts you on hold, then hangs up on you every time. I have been trying for hours!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This follow up was due to the several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT XXXX XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report XXXX XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- 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 EQUIFAX 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 Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services (PA)

I am XXXX Very Bad, XXXX, is hurting me causing damages to my Credit score, Health, Overall Life in general, where as I am due to relocate this month and can not let them check my credit due to XXXX, dropping my score drastically. It has cause headaches and pain not to mention XXXX, XXXX anguish, knowing my chances are next to none now because of XXXX. I have reached out to them multiple times Certified Mail, and they Ignored My Concerns of the Contract that was signed The Dates Were in facts incorrect which means Billing Error, Fraud and False Statements as well as Misleading Representation, I immediately Reached out to XXXX XXXX XXXX to Current all Certified Mail. XXXX Keep Sending The Same Documentation With Contract Dates and Letters From Vice President XXXX XXXX and XXXX XXXX Stating False Information. This is Clearly a Billing Error as we as Misleading Representation. The Date I, The Consumer entered XXXX making a purchase XX/XX/2021, Which is Not The Same Date on Contract Which States XX/XX/2021 and all other Letters Sent in By XXXX Stating XX/XX/2021, I then Ordered Information On Vehicle From DMV to Find Out XXXX has Committed Forgery by Forging my signature to power of Attorney Dated XX/XX/2021, I, did Not Swear Under Oath and Sign Power of Attorney Paperwork Nor Has XXXX XXXX In Front Of Me Nor Notary Dated XX/XX/2021 Whose Name Appears With Her Signature. XXXX Forged My name on Back of Title Vehicle Signed Again By XXXX XXXX. I, Demand XXXX In Writing to Rebut My Statement of Billing Error 's, Date 's, Forgery, False Statements as well as Misleading Representation, If Not Answered Here Through Third Party CFPB My Statement Stands as Truth.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I opened a checking and savings account with Chase because they were offering a promotion that if I opened both a savings and checking they would give me {$900.00} as a sign up bonus. The catch was I had to have direct deposit AND have a $ XXXX balance on the savings account to complete the conditions of the bonus. I did exactly this and chase decided to close my account due to fraud claims and it has been over a month that they have kept my $ XXXX since it's " under investigation '' and they are not giving me a reason as to why its being investigated when they can clearly see where it came from. I feel as if I'm being robbed by Chase because they said they do not have a tentative date when they'll be releasing my funds. This is ridiculous. This isn't pocket change, this is XXXX that my family and I worked hard to save and we need help.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I mailed out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency.

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, Experian, XXXX, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : Agot Accounts Furnished without my written consent : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX of 2019 I opened an account with XXXXXXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.
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. (FL)

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible BankruptcyXXXX XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC (GA)

1. On XX/XX/XXXX XXXX I bought his single-family home located at XXXX XXXX XXXX XXXX XXXX, GA XXXX for {$370000.00}. The legal description of the property is Land Lot XXXX, XXXX District, XXXX Section, XXXX XXXX, Georgia, being lot XXXX, XXXX XXXX. 
2. The day of the credit transaction completion and closing, I signed and endorsed a Check/Promissory Note and was made out pay to the order of : DAS Acquisition Company , LLC. 
XXXX. My Promissory Note check was tendered pursuant the law 31 CFR 103.11 ( u ) ( iii ) 4. However I have not received my closing documents in the quitclaim deed from the Seller/Grantor of the property as proof of transfer of all interest with clear and marketable title to the property, and I have not received the Title to the property according to the law at 31 CFR 103.11 ( u ) ( iii ) 5. Pursuant the Law of Money and Finance : Treasury at 31 CFR 103.11 ( u ) ( iii ) ( u ) Monetary instruments ( iii ) All negotiable instruments ( including personal checks, business checks, official bank checks, cashier 's checks, third-party checks, promissory notes ( as that term is defined in the Uniform Commercial Code ), and money orders ) that are either in bearer form, endorsed without restriction, made out to a fictitious payee ( for the purposes of XXXX ), or otherwise in such form that title thereto passes upon delivery ; 6. I have not received any closing agreements, or contracts thereof bearing both bona fide signatures and evidence of lawful consideration by XXXX XXXX, XXXX XXXX or anyone at DAS ACQUISITION COMPANY LLC 7. It appears DAS ACQUISITION XXXX XXXX, XXXX XXXX have devised or intending to devise a scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses or representations and making false claims and reports of making a loan of cash, check or money order. DAS ACQUISITION COMPANY LLC never made a loan. I have contacted DAS ACQUISITION COMPANY LLC and I have submitted a Loan Affidavit to be signed and notarized to verify and authenticate proof of any alleged loan. However over the course of 4 months, DAS ACQUISITION COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX have failed/refused to sign and notarize the loan affidavit document supporting and providing evidence of a loan.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: 1st Franklin Financial Corporation (AL)

In XX/XX/2021 I contacted a repossession company to voluntarily repossess the SUV that had the title loan repossession company contacted first Franklin financial about the voluntary repossession. First Franklin refused and denied repossession company to repossess said vehicle. 

First Franklin has refused to update my credit report to reflect that's such loan has been fulfilled due to voluntary reposition on my behalf. 

First Franklin financial still to this date has refused to come get said vehicle vehicle has now been listed as abandoned and a new bill of sale and title is given to the new owner.
Consumer complaint received 2022-03-15
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)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
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. (PA)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$640000.00} ;
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Today it was announced Equifax announced a massive security breach which compromised over a million accounts. To find out if I am part of the compromised, I have to surrender my ability to take action against them. No.
Consumer complaint received 2022-03-15
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: Duvera Billing Services, LLC (NC)

There are XXXX accounts on my credit report that are not mine DUVERA BILLING SERVI {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX