davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-04-05
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (MD)

Hello to whom it XXXX concern 1st they called from a number located in Missouri, then called again from number located in Baltimore then another number located in XXXX  Michigan. Company name is First Credit Services but when I answered the phone they guy used another name for the company. I feel as if its some fraudulent shady stuff going on with this company. I asked to speak to a supervisor on one call i answered the phone and it sounded like the same person on the phone just changed his name.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've contacted Equifax to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Equifax states they are not receiving documents even thorough it was sent out twice Account : XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX  ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXXXXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-04-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts and it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting act Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-16
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 Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-06-16
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 (OH)

Chime bank - I had over {$5000.00} dollars in unauthorized fraudulent charges on my account when I called to dispute it was immediately denied as soon as I hung up, I called back they said they needed more information I sent them the info that I had and was given the run around and told by a second agent to appeal to denial can take 45 days How? when the investigation was supposed to take 7-10 days but was immediately denied with no investigation done I called again Another agent told me my claim was reopened and it would take 3 - 90 days I was told by a 4th agent that it was a human mistake and the former agent erroneously filed my dispute causing it to be denied that they had recategorized it and That Id receive more information in 10 business days This is insane and completely unprofessional for a bank that claims your money is FDIC insured up to {$250000.00} This is very upsetting that I was charged all this money and cant get it back because of an error on their behalf
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've contacted Experian to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Experian states they are not receiving documents even thorough it was sent out twice Account : XXXX
Consumer complaint received 2024-02-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 I called Bank Of America XXXX prepaid debit card customer service to inquire about a card I had never received after being approved for unemployment and was informed that someone had been using my account without my knowledge or authorization and about {$56000.00} roughly what stolen from my account and whoever was using my account, then filed claims to dispute the usage prior to XX/XX/XXXX. I have submitted both police reports and identity that report with the FTC. I have submitted my identification card, a photocopy, and the bank is still denying my claims saying I use the account or authorize somebody to use the account which is no idea somebody using the card or account they have not provided any ATM footage to show it with me. They say that the card I had told him I hadnt received was activated successfully with my credentials..
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Dear Credit Bureau XXXX, XXXX, Equifax I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/1990, and my Social Security XXXX XXXX XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that XXXX, Equifax, and XXXX will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ).

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me.

Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (TX)

This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to XXXX regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
Consumer complaint received 2024-02-20
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 

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 2022-06-16
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: Experian Information Solutions Inc. (MD)

Credit report has and address on my report -- -- -- I never lived there -- -want it removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NEVER LIVED AT THIS ADDRESS ON MY CREDIT REPORT WANT IT REMOVED
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Journey Credit card in 2013. I went over the credit limit available on the card. Capital One took it upon themselves to take adverse action against me by closing my account without my permission, and properly notifying me which has not been clearly disclosed to me that if I go over my credit limit the account will close without needing my permission. Capital One also furnished negative information to Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) harming me and damaging my reputation. I Disagree with the information Capital One Furnished to the CRA 's. Capital One did not inform me properly of the use of credit nor did i give written permission to Capital One to Furnish any information about me to the Consumer Reporting Agencies.
Consumer complaint received 2024-02-20
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. (PA)

XXXX XXXX XXXX # XXXX I am in disagreement with the account in question being reported by XXXX  XXXX, which still appears on my credit report, even after your investigation upon my request. XXXX XXXX responded to the inquiry, however I would like this item immediately re-investigated. The reporting details are incomplete and inaccurate. These inaccuracies are negatively effecting my credit score. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account in question, so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported : XXXX. Balance {$250.00} XXXX XXXX XXXXXXXX XXXX Reported XXXX. Balance {$700.00} XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Reported : XXXX. Balance {$3100.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NY)

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

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On or about XX/XX/XXXX i purchased a vehicle from Credit Acceptance via XXXX in XXXX MD. The vehicle i would end up financing was a " USED '' XXXX XXXX XXXX XXXXXXXX XXXX with XXXX miles on it. The Annual percentage rate was " 22.99 % '' the " Finance Charge '' was " {$17000.00}. With a down payment of {$1500.00} the " Total Sale Price '' was {$40000.00}. Beginning on XX/XX/XXXX. 
Credit Acceptance violated consumer protection and debt collection laws and regulations. It was alleged that Credit Acceptance made unfair and deceptive auto loans to thousands of consumers, provided investors with false or misleading information regarding auto securities they offered, and engaged in unfair debt-collection practices. I am a natural living breathing person and a consumer, i am a victim of Credit Acceptance Corp. and am and will be seeking remedy for the repossession of my vehicle that was illegally repossessed and resold without my Knowledge of the opportunity of rescission. Credit Acceptance failed to inform me of my consumer rights. The Interest rate of 22.99 % was predatory and viscous. I have disputed this account with XXXX XXXX XXXX and Credit Acceptance continues to report late payments on my account eventho they agreed to remove the account from all the credit bureaus in XXXX of XXXX Credit Acceptance has violated my rights under the FDCPA and i will seek remedy for violations of 15 U.S. Code 1635 a, b, f, time limit for exercise of right, 15 U.S. code 1605, 1, U.S. code 1640 a, # 1,2, i, b, e, and g. 15 U.S. code 1692 j, Furnishing Deceptive forms a, b, 1692 k, a # 2, b. I have all records and evidence to the matter. I have sent dispute letters through certified mail and verification letters to both the collection agencies and to the Credit bureaus with no avail. This is willfull at this point on both agencies to keep my personal information displayed on these cites in a negative since. I have been at this now for 2 yrs trying to have them rectify the matter at this point i feel it necessary to seek legal assistance on the matter of both Credit Acceptance and XXXX XXXX AND XXXX they have all violated my rights and my privacy. Identity theft is at hand and i never gave anybody or government or agency authorization or consent to report any of my personal information to anyone or at anytime. To this day there remains inaccurate and misleading information on my credit reports by all the bureaus. So this complaint is to Credit Acceptance but also to the irresponsible actions of the bureaus also. I have lost my property job and ability to support my family because of this and have been denied multiple times for credit opportunities because of this misleading illegal and damaging actions by said parties. All this has hindered my rights to XXXX XXXX and the pursuit of happiness.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

For at least two years the Bank of America has been unable to apply my overdraft protection and so I am constantly being charged a {$35.00} overdraft fee which is itself obscenely high! 

XXXX XXXX and XXXX have XXXX XXXX but the Bank of America is so incompetent it can not prevent this problem. 

It has lots of incompetent personnel as otherwise this would not be a problem that has last at least two years!

The Bank of America should be called the Bank of Incompetency!