davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (FL)

I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )
Consumer complaint received 2022-05-19
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. (LA)

My wife and I went to XXXX XXXX to see about trading in our XXXX XXXX so they ran out credit way to many times even though they said they only ran it once
Consumer complaint received 2022-10-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Beginning XX/XX/2021 my account info was stolen and used for malicious intent. All of my benefits were being put into the account and were stolen by theives ive lost money and my home I contacted the company who assured me I would get my money back after 10 days two months went by and I received a email saying my claim was denied. All of my claims filed throughout the year of XXXX  was denied with no reason why. The company says they have their reasoning but gives no information as to why they came to the decision I have been a chime member for over 4 years and this has happened many times and they are no help at all with solutions I have many ppl saying the same things this has to stop theyre letting people steal and get away with it with no regards to their customers.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank XXXX XXXX XXXX in XXXX California to the atm drive through window deposited money and the machine calculated my deposit wrong I had XXXX XXXX dollars bills and my email receipt says I only deposited XXXX XXXX dollar bills so I should of deposited XXXX and bank email receipt says XXXX can they review their cameras or the machine since it miscalculated my money
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? 

I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. 

Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. 

Thank You for your time in this matter.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Modlin Slinsky, P.A. (FL)

XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in informal street wear without any identifying information ( such as a badge ) waited down the block from my home in his car ( a white or silver sedan ) with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with unknown vehicle 's lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below. 

This situation is also problematic legally because the man in the white/silver sedan had increased the speed of his vehicle with his vehicle lights off while there were families and children in the street ( off camera ). He also appeared suspicious to neighbors and sparked interest with the community 's unofficial neighborhood watch. 

I understand that XXXX is entitled to attempt to locate me to serve a lawsuit. However, the tactics used during this incident were legally unethical, does not represent good faith measures on behalf of the law firm to collect a debt, and is arguably morally reprehensible.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I tried to dispute with Equifax XXXX XXXX XXXX XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Consumer complaint received 2022-10-06
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-10-06
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: Self Financial Inc. (GA)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-06
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. (NY)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX filed on XX/XX/2022 I filed a dispute regarding the incorrect items on my credit report, and it has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2022-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with Equifax multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$200.00} Account No.XXXX Amount {$480.00} XXXX & Equifax is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$0.00}
Consumer complaint received 2022-10-06
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. (TX)

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on Equifax, XXXX, and XXXX. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. Equifax and XXXX BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and Equifax, XXXX, and XXXX need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The Bureaus, Inc. (MD)

I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I am submitting this CFPB complaint to request the removal of account AMEX/DSNB XXXX Date Opened : XX/XX/2016 with an alleged Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account AMEX/DSNB XXXX was incurred due to fraudulent charges, which according to VISA/ Mastercard XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 
AMEX/DSNB XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2022-10-06
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. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance : {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-04
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. (MI)

I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.
Consumer complaint received 2021-11-01
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: Westlake Services, LLC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on WESTLAKE FINANCIAL SVC. Please " Remove '' the account immediately.