davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Over the span of several years, I have consistently contested inaccuracies on my credit report. Despite my requests for detailed information from Experian, I have yet to receive the specific information I seek. Each time I inquire about the individuals they communicated with, including names and badge numbers, I am met with a lack of transparency, receiving only a generic verification response. 

This recurring pattern of insufficient disclosure raises concerns about a potential violation of my rights. I firmly believe that the absence of detailed information hinders my ability to address and rectify inaccuracies in my credit report. Given the continuous infringement on my rights by this company, I contend that all disputed entries should be expunged from my credit account.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I have 2 fraudulent inquires on my credit report and i need them removed immediately Here is a list of the 2 fraudulent inquiries i need removed from my credit report XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I had tried mailing and calling XXXX but they will not help so I need these 2 fraudulent inquiries taken off because it goes agaisnt the fair credit reporting act because they do not belong to me and are not linked to my account
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 2023-05-18
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. (AZ)

I have the original debt collector XXXX XXXX XXXXXXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to XXXX Equifax as an open account and reporting to XXXX XXXX as a collections account. I dont understand how could they do this?
Consumer complaint received 2022-07-14
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)

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). 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 from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$660.00}
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.
Consumer complaint received 2024-04-12
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)

XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. These violations of the FCRA and Regulation V constituted violations of the Consumer Financial Protection Act of XXXX and could have negatively impacted consumers credit scores and access to credit in many instances. The consent order requires XXXX to take certain steps to prevent future violations. According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX Account Number : XXXX violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681c. ( 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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Last year someone got a credit card in my name and made unauthorized charges to my account at Chase. When I got my monthly bill I noticed those charges and informed Chase that I did not make those purchases and didn't want to pay for them. Chase " investigated '' and said that I did have to pay for them. 

I contacted several departments at Chase, including XXXX XXXX and their investigations unit, and explained that I had never been to the places where the card had been used, and that if they had diligently investigated they would have checked surveillance tapes to see who did use the card and when they used it. 

I am now getting letters from a collections agency. The amount is a little over {$330.00}, which does not seem like much to Chase but is a lot to me. I thought part of the monthly fee I pay to Chase for my credit card includes insurance for theft, but Chase apparently disagrees. Can you help me get these charges reversed? 

Thank you.
Consumer complaint received 2021-05-20
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)

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Google Compare Credit Cards Inc. (TX)

Hello : I have contacted Google several times to ask for a reucurring charge to be stopped. They have not been able to assist me, and there are still recurring charges coming from my account. I would like to stop or cancel this charge
Consumer complaint received 2024-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2024, I mobile deposited a third party rent relief check that was given to me by a past tenant that owes me for 18 months of rent, she endorsed the check over to me and i also endorsed the check. I then mobile deposited it and received an email from NFCU stating that they have approved the check and i will have access to my funds within two days. This is not the first time i deposited a third party check and the funds where available in my savings account i had sent my daughter to pull out money to pay some bills, she accidently put her pin number forgetting it was my card, so the atm ate my new debit card, ( 2nd transaction with new card ) my account was frozen afterward, so i called NFCU, to unfreeze the account and order a new card, the agent on the phone said my account was not frozen so i said i would go into the bank to get new card. When i went into the bank the banker was on hold with the department that could help me, I could not stay to wait, for i had to leave to pick up my my grandkids from school, the banker said she would call me when the account was unrestricted. She never called so after two days when i was finally able to get through to the security department, they verified me, and then verified my devices i use to access my online banking, and then i verified my last withdrawal and location but when asked what card i used to withdrawal i had said the last four digits of my previous card forgetting that i had just recieved a replacement card so they said they will remove the restriction on my account but they will not allow me to use the funds, they took the money out of my available balance and are holding it until the third party and i go into the bank with our IDs, mind you i have already went into the bank and verified my ID, i told then it could take months before i can get a hold of my former tenant, for she is in some type of bootcamp or program, etc. They told me then id have to wait till then, My rent and bills can not wait, NFCU is not paying for my late fees that i willl have to pay, i submitted the a security appeal with NFCU and they did not even review the documents of my former tenants ID AND SSN, with the notarized affidavit she had left to me incase of situations like this, NFCU said since my account was not restricted no more that my appeal wont be accepted! So how is it that they are holding approved funds and they are borrowing my funds while im not being paid interest, not that i would like interest still to be paid because i would rather have my approved funds. I also then asked to have my accounts closed because im unhappy with the bank and no longer want a relationship with them. They denied me that. should i retain a lawyer?
Consumer complaint received 2022-11-19
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. (KS)

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX XXXXnquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Consumer complaint received 2024-05-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Please provide me with the written contract between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis for this debt. If not you must delete of your in violation of the federal and the state Fair Debt Collection Practices Acts.
Consumer complaint received 2022-08-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc. (CA)

I was called many time by the company about this debt. But I told them this is false information. This was during my time in service. I signed for one class thinking I can study while serving. But when I realized we were going to mission training. I cancel this program through the XXXXXXXX XXXX base of registration for class. But this company still charged me. What surprise me I never took a class with them. More importantly the XXXXXXXX XXXX was in charge of paying class while we are serving, cause this was sign through the XXXXXXXX XXXX. Not at my charge or anything. Also the policy was to cancel if we dont want to go anymore. I cancel within the time required. And now there are framing me for a money that I dont owe them at all. They are some how putting this on my credit report which are getting my score low. Please I need help here to dispute this. This is false accusations.
Consumer complaint received 2022-07-14
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item 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 block/remove these files. If you feel there is a possibility this account 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX FIN XXXX
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

I have a collection agency trying to collect on an old debt. 5plus maybe 6 years old. I get continues calls to my business line and they have even sent a person to give me paperwork stating they are suing me in court. I have signed nothing or admitted to owing this money to this company. They bought a bad debt and are now pressuring me to pay it. They report it on my credit multiple times a month every month harassing me and using the reporting to the Credit bureaus to district me by distorting my credit. By them doing this it has made my life very difficult and has affected me financially. I believe the statue of limitations in the state of XXXX for credit card debt is 4 years, correct me if Im wrong but they do need to move past me and stop reporting multiple times a month to the credit bureaus in turn Destroying my credit. The above mentioned company is law offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX ) XXXX please let them know they need to stop reporting on my credit report or I will be suing them for distorting my credit making my life difficult and pursuing this illegally.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc. (AZ)

XXXX/XXXX filed dispute of loan XXXXpolice report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to golden valley No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and XXXX XXXX collection sent it back to Golden Valley XXXX XXXX received email from Golden Valley that all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Long story short I'm a victim of XXXX fraud during covid pandemic when I had no luck in reaching XXXX at the time I was told to call bank of America and file a dispute so I did around XXXXXXXX XXXX XXXX I filed two claims totaling over {$19000.00}. I was denied and have been denied several times since then I have submitted police reports and letters and documents from other bank Institutions that I had also filed claims with in the same time period that also were compromised, 3 other banks and a credit profile showing that I disputed a XXXX account that was in my name that was taken off my report all in the same time period surrounding COVID pandemic, I even proposed that it would be fair if a portion of my benefits were given back to me from transactions that are easier I guess to prove they were fraudulent but the lo.ger this goes on I feel like why should I settle at all for a less amount im the victim here and it was my money that was stolen why am I settling for way less I had proposed {$5000.00} or {$6000.00} opposed to over {$19000.00}. That were taken. The only reason I've been given is that they feel that my self or someone I authorized had done the transactions and that the debit card used at the time of transactions was the same address I had on file. Which is t true I immediately changed the address in the first phone call to bank of America. I also had confirmed they XXXX that never once did anyone at anytime as me ( alleged me ) verify my identity making all that much easier for someone to continue to take from me.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (SC)

I have a 36 month lease with Hyundai Finance. The lease matures on XX/XX/2022, I call them to get my pay off and they refuse to give me the current pay off. I am trying to sell the vehicle and I can't because they refuse to give me the amount of the pay off. My ACCOUNT # XXXX