davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. XXXX, XXXX, Equifax.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I been trying to solve this problem with agencies and debt collectors for too long now. Fraudulent items were added without permissible purpose and without being totally accurate. I am a litigious man and I am taking the necessary actions to utilize my rights under the FDRA to make sure that the agenencies comply with the law and remove these fraudulent items from my report.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one has a fraud hold on my account and will not unrestricted my account after I made a payment. They keep sending me emails to upload my ID and none of the emails work. When I click on the link it says error every single time and wont give me the option to upload. 

Ive done this 20 times and they are not helpful and are just charging me interest and refusing to unrestricted my account. Also the employees were all laughing in the back ground when I got upset. This is an out rage
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (PA)

Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. Bridgecrest negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and Bridgecrest can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (LA)

Viking client services contacted me from ( XXXX ) XXXX on behalf of XXXX XXXX XXXX payment, alleged owed by me {$860.00}, when in actuality XXXX XXXX XXXX continue to refund my money to me on my card due to system malfunction. Viking have called me while homeschooling my two children and have cause for a disturbance by violating having no written consent by me to contact me and disclose location information.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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  funding HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2024-02-14
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)

I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name XXXX XXXX  XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX XXXX XXXX to get credit or a loan through.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Last XX/XX/2021, they permanently closed my Paypal account without any clear explanation at all. There were no refund requests or chargebacks or whatsoever. The account is clean. They closed the account for a reason that is baseless. Then on XX/XX/2021, Paypal took my remaining balance of only {$140.00} without my permission. I was expecting to withdraw my money after six months then they just take it away. I want my money back and remove the linked bank accounts and bank cards from my Paypal account. I am also worried that Paypal might steal the money on those bank and credit card accounts in the future. I am really worried. Please help. I badly need help. Please ... ... ... ... .HELP.
Consumer complaint received 2015-04-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (OH)

Valor Intelligent Processing has sent me a bill for {$3100.00} for my past due XXXX account. That amount is incorrect. The amount I owe is {$2600.00}. In addition to this, I have asked them to stop calling me and they have called me several times now.
Consumer complaint received 2024-02-14
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. (IL)

This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

Chase bank with XXXX. 
After realizing this was an online romance scam to help someone get out of XXXX  in XXXX. Ive lost a lot of money. XXXX failed to help reverse everything even after it was completed and states XXXX providing to only send money to someone you know. But after realizing everything was a scam they can not reverse it. I have multiple emails through my chase account sent to XXXX accounts yet my personal bank did not accept the fact it is a scam Since XX/XX/2020 after filing with FTC they would not accept the claim number also. Yet currently with XXXX XXXX transfer after providing the XXXX  XXXX id and claim number they were able to temporarily provide fund back while they research everything. Yet that isnt enough because they can take the funds back!
Consumer complaint received 2024-02-13
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. (MD)

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 inructions 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 2022-08-12
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2023-10-06
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-08-12
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. (FL)

According to 15 U.S.C. 1681 ( a ) ( 3 ), Congress makes it clear that Equifax, a consumer reporting agency, assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I, XXXX XXXX, am a consumer who never gave Equifax permission to do this. Equifax did not have my consent. 

Because Equifax assumed this role, in 15 U.S.C. 1681 ( a ) ( 4 ), there is a need to insure that Equifax exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Equifax did not exercise their grave responsibilities. Equifax were unfair, impartial, and did not respect my right to privacy.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I received a Credit Score report from XXXX  ( Credit Card company ) on XX/XX/20. I noticed in the score that the US Small Business Administration ODA had conducted a credit check that I had not requested or authorized. I immediately called XXXX and spoke with them and filed a claim that someone may be trying to utilize my identity/information to secure a loan from the SBA.
Consumer complaint received 2024-02-13
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Opened a saving account in my name at the time I received my boat loan on XXXXXXXXduring covid. The transaction took place over the internet and phone. I picked up the check at the drive thru. The savings account has shown a neg. balance of {$5.00} for the past XXXX  months. In XX/XX/XXXX I inquired how to make additional principal payments and their help desk gave me routing number and account numbers. My back did the XXXX XXXX and withdrawal, creating a {$30.00} neg. balance charge. finally after several calls they provided me with the correct instructions on how to do the ACH transfers. At no time did anyone ask, write or call me to deposit anything in the saving account that was showing a - {$35.00} balance now. In XX/XX/XXXX without any notice XXXX decided to close and write off the saving account and report me to all XXXX  credit monitoring company 's. Basically destroying my credit score of low XXXX to low XXXX. I am XXXX XXXX XXXX and have never missed or been late with a payment!! I want the negative comments on my credit reports removed and a apology from the bank on the terrible way they conduct business. This is my worst banking experience in XXXX  years!!
Consumer complaint received 2020-08-28
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. (FL)

My SSN was stolen by a woman with similar name to mine, who worked in a dr 's office where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX  XXXX XXXX  XXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX XXXX police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times Transunion, XXXX  and XXXX. Ultimately, I hired an attorney to assist me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-02-13
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. (IL)

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-02-13
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. (FL)

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.

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.