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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personal sensitive information, along with 200,000 other peoples ' and allowed it to be leaked to hackers. According to their website, equifaxsecurity2017.com I am a potential victim. There was no notification, even though this was known to Equifax executives months in advance. 
I would like to see a rectification for this grievous error.
Consumer complaint received 2021-11-30
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2020-01-18
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2017-08-25
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. (MN)

XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (DE)

Spring Oaks Capital that bought an alleged account with XXXX Bank has put an account on my credit file that does not belong to me. I have never received a dunning notice or a letter stating that I owe this debt. According to the FDCPA a creditor must send a dunning letter and allow the consumer to respond within 30 days. On XX/XX/2021 I sent a debt validation letter and asked that they send me proof that the debt belongs to me. They received the certified letter as of XX/XX/2021. As of XX/XX/2021 they have not responded.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. Page 39| 43 I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and XXXXppropriate County, State & Federal authorities, the CFPB, XXXX and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of North Carolina medical privacy rules .
Consumer complaint received 2022-03-07
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. (WA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management did not inform me of any written issues until I had been garnished. And I had contact my employer to get information about the issue. They have a judgment against me for. From a XXXX utility account I never had. And XXXX has no current records of in my name or social security number. I did not make this account and the company they said they are collecting for has no records of such a bill or accounting in regards to me. 
Any collected funds should be returned. With penalty of harms caused by such a false claim. Enforced with no notification to said persons effected by monitory harm of collecting non owed funds. To which the company these funds where collected for show no such bill. Midland credit management should no longer seek such payments. With further proofs that I can obtain from the offended party XXXX. As their representation states no such past due balance.
Consumer complaint received 2022-03-07
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. (IL)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

On XX/XX/2021 I received an email stating my account with Chime Bank was being closed and that chime had made the decision to end their relationship with me. I opened this account because chime advertises that they help fix your credit and one can receive their pay checks a day sooner. Instead of helping me fix my credit they have ruined mine because they have kept all of my deposits equaling approximately {$23000.00} I can not see the exact amount as they have closed my account and I can't access the account. I was supposed to receive my XXXX on XX/XX/2021 which included backpay this money was going to be used to pay my rent and other bills. Upon doing a little research I found that chime bank has done this to a lot of other people closing theirs and mine accounts and keeping the money. Chime Bank is a fraud and is stealing money from people and ruining peoples lives. This money was due to not being able to work during the pandemic and it being taken from me has made everything much worse I don't have a place to live now as I have not been able to work due to XXXX and money awarded to me by the government was stolen from me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed a letter to XXXX, XXXX, and Transunion asking for an update on my personal information XX/XX/2023. They insisted that I did not know my personal information and refused to update and/or remove names that do not belong to me, social security numbers that are not mine, old non mailable addresses, and my employment information. 15 U.S.C 1681B ( A ) ( 2 ) entitles me to update my consumer report in accordance with my written instructions. Refusing to remove outdated, irrelevant, and non mailable addresses from consumer report violates my rights. This is causing direct damage to my character and mode of living. 15 U.S.C 1681A defines what a consumer report is and what it should be used for. The options listed are " ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. '' Please update my personal information as requested. I have attached a new letter written to be uploaded here because they did not respond to my request from XX/XX/2023.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

*To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX 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, CHOICE RECOVERY INCfailed 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 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX   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.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirkland Asset Management LLC (CO)

Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.
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. (CO)

On XXXX XXXX, Equifax, XXXX notified the public of a massive data breach, in which they have informed me that my personal data may have been compromised. As XXXX XXXX XXXX have a duty to maintain the privacy and security of the data they hold, they have failed in this duty. I have placed holds on all of my credit reports to prevent identity theft, but that may not prevent all detrimental actions.
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. (WI)

Equifax 's data breach disclosed on X/X/17 has resulted in the loss of my sensitive personal information as well as millions of other Americans. I am listed as a potential victim on their website, and was provided a date next week upon which I can return for free credit reporting that allegedly waives my right to sue. This is outrageous.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Greetings. I pray you and your family are save this covid season. I have been trying to reach these companies about the errors on my credit profile. They keep simply saying re-investigation over and over again when I have asked and requested them to please adhere to the law. Please see attached documents.
Consumer complaint received 2017-10-17
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 CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS FIRST XXXX XXXX & XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX BANK XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.
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. (WI)

I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.
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: Experian Information Solutions Inc. (AZ)

Experian credit bureau mishandled my information and allowed me to become a potential victim of identity theft. When i check on the website it told me my information was part of the leak that occurred in XXXX of 2017.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NY)

Hello, I have opens the US Bank checking account with {$300.00} promotion. I put my employees XXXX XXXX direct deposit for total of {$4100.00} as of today XXXX into the account. However, when I contacted the US Bank, they stated I have not met the direct deposit requirement of {$2000.00}. I believe I fulfilled all requirements for the bonus but still have not received any promotion bonus after contacting the US Bank. 

Thank you
Consumer complaint received 2024-02-17
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. (CA)

Account : 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 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive attempted to put a freeze on my credit information held by TransUnion five times, and TransUnion declines to comply with my request : - Their web site declines to accept valid information, referring me to a phone number instead - After navigating a tree of menus, I am put on hold for many minutes, then disconnected.
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. (OR)

Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.
Consumer complaint received 2024-02-17
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

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

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