davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

To Whom It May Concern, The reason for my dispute is I C SYSTEM INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEM INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEM INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEM INC- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.I C SYSTEM INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-02-28
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute a {$1400.00} debt claimed by XXXX XXXX XXXXXXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BMO Bank, N.A. (IL)

On XXXX 2020 I had an IRA/CD mature with BMO/Harris Bank   located at XXXX XXXX XXXX, XXXX , Illnois XXXX in the amount of {$22000.00}. It had a 10 day grace period before it was rolled over. The branch managers name is XXXX. 

On XX/XX/2020 I went to close the account and transfer the money to an IRA/CD account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX supplied BMO/Harris with the required IRA/HSA transfer request on XX/XX/2020. 

I was told by XXXX that they could not present me with a check that day and that their IRA Dept. would have to be the ones who would mail a check to XXXX XXXX XXXX XXXX XXXX. 

As of XXXX, 32 days since I've closed the account the money has not yet been transferred. 

After many calls to XXXX at BMO/Harris, who I would like to add has been as helpful as she could be but seems stuck in the middle of this, she referred me to her supervisor, a XXXX XXXX. I have sent three E-mails requesting a call from XXXX XXXX and none have been returned or replied to. I also filled out a complaint form on BMO/Harris website but have not heard anything yet from them. 

I was also informed by XXXX XXXX would not be paid any interest on the money they haven't released to me.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company is listing an unverified account as closed charged off but listed payment status as past due as {$3900.00} which is illegal to the cras. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (LA)

The company accused me of using a third party to submit my dispute/discrepancies with their reporting practices. I do believe it is my right to use a third party to represent me of which I didn't in this instance. Its a stall tactic to deter me from disputing this erroneous account.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (WA)

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, XXXX  and Experian ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, XXXX or Experian. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CT)

This debt was paid in full to the original creditor, XXXX. Credit collection services does not have the legal right to report this debt to the credit agencies- they are not even a licensed consumer collection agency in the state of Connecticut XXXX
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, TransUnion and XXXX  ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, TransUnion or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, XXXX and Equifax. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. XXXX and Equifax failed respond all together, never received anything. XXXX only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in XXXX Compliance, which all XXXX laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Consumer complaint received 2020-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I refinanced a mortgage into a HELC with Citizens Bank back in 2004. Citizens had been the previous lender as well. A lender prior to Citizens did not assign the mortgage properly on my deed. The prior lender is no longer in business. At the time I refinanced with Citizens I had to pay Title Charges as part of the closing cost. I feel that this should have been take care of then as the Title Charges are for things such as this. 
It was not taken care of. 
Now and in the past I have tried to refinance my loan as the rates are considerably lower and I am unable to. 
Citizens has suggested that they can refinance for me as other lenders will/can not because of the title issue. This seems like unfair business practice at best. 
Can Citizens be made to pay me for my losses of not being able to take of advantage of the lower rates?
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (NC)

I submitted several disputes to Equifax regarding credit inquiries on my credit report. I am a victim of identity theft and my wallet was stolen and I never received my social security card for them. Every time I dispute this information, I get the same response. So they have left me no choice than to file a dispute against them.
Consumer complaint received 2024-02-28
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. (NC)

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

1803 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 2022-04-05
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. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-05-06
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: CORELOGIC INC (TX)

I did not authorize anyone employed by CREDCO OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account never 60 days late at all and never 40 days late in XXXX or XXXX extensions were placed on file. 

As you can see from the attached call logs they were contacted over 21 times. The company states no such contact took place but the call logs clearly show otherwise. Additionally each of their responses has always differed. A transfer of equity application was submitted over 7 times. The late fees assessed are in 100 % absolute dispute as part of a dispute in XXXX they agree to waive these now state otherwise. 

Then they replied stating pay within 72 hours we will waive which was unrealistic and scandalous considering the amount was already in dispute. The supervisor stated they were processing the transfer while they were in dispute as the customer they were transferring to confirmed he was aware of everything again this was not done resulting in me having to be stuck with despite all appropriate measures being taken otherwise They processed a due date change that ran into technically difficulties the reporting attempted to fix and could not then that took away my ability to pick the date despite it not being my fault or my problem in any way that they made an error. 

Told to wait 12 months then told ok when account is current then they processed it allow one billing cycle then oh its only one time per life of the loan enough is enough I have emails, over 72 call logs since XXXX most of which during the times they alledged claim no notes and no calls placed on cease and desist they continued to violate over and over a bad call me before XXXX then said they didnt theres no record of that well I have the call logs that refute their constant lies there too Will be seeking legal action if not fixed
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I am XXXX XXXX XXXX XXXX XXXX u.s. military veteran with disability.i had account with XXXX called " Crypto.com " about a month ago I bought around {$120.00} worth of coins And it has grown to {$220.00}. On the night of XX/XX/XXXX XXXX pm when I checked my Account all the money was gone and it says " adjustments and debited '' I am not Familiar on this products and not knowledgeable about this at all, I did not authorize this action at all, I do not know where my funds went and what happened. 
I am XXXX  with XXXX XXXX and currently living in fixed income poverty level, I was trying to talk with these people but after few exchanges they don't respond no more. 
I hope you help me and punish these people for what they done. 
Also what I really worry about is they know All my personal information including social security number. Thank you please help me.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account never 60 days late at all and never 40 days late in XXXX or XXXX extensions were placed on file. 

As you can see from the attached call logs they were contacted over 21 times. The company states no such contact took place but the call logs clearly show otherwise. Additionally each of their responses has always differed. A transfer of equity application was submitted over 7 times. The late fees assessed are in 100 % absolute dispute as part of a dispute in XXXX they agree to waive these now state otherwise. 

Then they replied stating pay within 72 hours we will waive which was unrealistic and scandalous considering the amount was already in dispute. The supervisor stated they were processing the transfer while they were in dispute as the customer they were transferring to confirmed he was aware of everything again this was not done resulting in me having to be stuck with despite all appropriate measures being taken otherwise They processed a due date change that ran into technically difficulties the reporting attempted to fix and could not then that took away my ability to pick the date despite it not being my fault or my problem in any way that they made an error. 

Told to wait 12 months then told ok when account is current then they processed it allow one billing cycle then oh its only one time per life of the loan enough is enough I have emails, over 72 call logs since XXXX most of which during the times they alledged claim no notes and no calls placed on cease and desist they continued to violate over and over a bad call me before XXXX then said they didnt theres no record of that well I have the call logs that refute their constant lies there too Will be seeking legal action if not fixed
Consumer complaint received 2023-03-09
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: I.C. System, Inc. (CA)

I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2022-04-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (IN)

On XX/XX/XXXX, I received an email notifying me of the debt. On XX/XX/XXXX, I asked for more information and debt validation. A few emails went back and forth, I got a few phone calls during times in which I could not answer. I sent a letter following up that I would like more information and debt validation. I received a letter back asking for information that is not required for debt validation. I received another email on XX/XX/XXXX asking me to call in regards to the debt, I responded to this email reminding them that I asked for debt validation in XXXX and attached the letter I sent which requested them to stop contacting me if it wasn't in reference to the debt validation and to remove everything from my credit history as the debt is being disputed. I never got a response. They are still reporting on my credit history, they have not provided anything to validate the debt, and if this is not fixed by the end of the month, I will be contacting an attorney to sue.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile