davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Certified Recovery Systems, Inc. (TX)

I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (GA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2022-01-29
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. (IL)

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX EQUIFAX XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (CO)

This is the second complaint I'm filing against this company ( ProCollect , Inc ). They have fraudulently credit reported this debt which is having serious effects on my credit, preventing me from obtaining new housing and a better job. I was employed with the Original Creditor ( XXXX XXXX XXXX ) in 2018 as a Maintenance Supervisor and lived on the premises to which they are stating I broke a lease with them. This is absolutely false as I was on a month to month basis with them and was never on any lease. I can tell you for a fact that anyone employed with an apartment complex is never put on a year lease for the simple fact that if the employment is terminated for any reason, then there wouldn't be a binding contract obligating the employee to stay at that apartment. When I filed the last complaint, ProCollect sent me some falsified documents that made absolutely no sense and appeared to be missing pages. I do not owe this debt and I demand this be deleted from my credit report or I will move forward with legal action. There are plenty of XXXX XXXX XXXX that will sue a debt collector for the slightest violations of FDCPA and FCRA. This is complete fraud and harassment. I will sue ProCollect to the fullest extent of the law!!! I want this off my credit NOW!!!!
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (IL)

As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.
Consumer complaint received 2022-08-28
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. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Consumer complaint received 2022-09-15
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. (GA)

The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

on XX/XX/2022, in response to a computer ad, sent {$100.00} by paypal as deposit for delivery of a puppy..was to be delivered the following day with cash on delivery ... not delivered ... numerous calls during the day asking for more money to be sent by Paypal ... Paypal transaction ID XXXX ... to XXXX XXXX... we did not pay any more and no delivery..they have not responded.
Consumer complaint received 2016-07-05
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ditech Financial LLC (MA)

Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.
Consumer complaint received 2022-01-29
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: STERLING JEWELERS, INC. (VA)

The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same Kay Jewelers also known as Sterling Jewelers. Kay Jewelers put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. XXXX XXXX XXXX opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. XXXX XXXX XXXX knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. XXXX XXXX XXXX are fraudulently opening up new collection accounts under a different name. Kay Jewlers and Sterling Jewlers are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
Consumer complaint received 2022-11-14
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: M&T BANK CORPORATION (NJ)

I am requesting that M & T XXXX. remove XXXX XXXX XXXX  day late dated XX/XX/2020 from XXXX, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to M & T & XXXX actions. As usual, I attempted to hand deliver my XXXXto the XXXX M & T branch on - however, M & T would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. M & T XXXX XXXX XXXX refused payment slide under door. 
I then attempted several times to send XXXX XXXX via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX SB. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted XXXX was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for M & T refusing an on time XXXX XXXX & bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if M & T had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with M & T ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted XXXX XXXX.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC (MI)

Sunrise Collection Agency called my husband and gave him every detail about the disputed debt. Spoke to him about all of the personal details of the debt, WITHOUT MY CONSENT OR PERMISSION. They violated my rights.
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NC)

I started using crypto.com when a lady by the name of XXXX XXXX invited me their XXXX investment that offers high yields and I was hesitant before as Im thinking its a scam but when they use crypto.com to send money and I can send money to them with cryptocurrency I was convince that they are legitimate until the week of XXXX XXXX where i send money to XXXX XXXX bank which is connected to crypto.com and buy cryptocurrency and send it to the scammer for the payment of the said tax which crypto.com said some exchange ask for tax but scammers never return the profit from my investments even I paid the tax thru crypto.com thru the scammers wallet address that I reported to crypto.com which they disable my account but the scammers still asking for the said tax.I sent the said money most of it via wire transfer in the amount of XXXX dollars and XXXX thru my checking account at XXXX bank.the scammers sent me money in small amounts but not big amounts thru crypto.com app and they said once you said thru the wallet address you cant trace or refund it back but in the news today where crypto.com accidentally sent millions of dollars to a wallet address but they were able to trace and ask for the return of said money contrary to their claim you cant trace it.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

I had booked nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX for {$250.00} for a trip in XX/XX/XXXX. The trip was cancelled due to XXXX, but the hotel extended a voucher to me through XX/XX/XXXX. 

The hotel ( managed by XXXX XXXX and their bank XXXX XXXX XXXX  XXXX ) went out of business and was reopened under a new management company before my stay. I was contacted by the hotel a week before the trip and told that I would have to pursue getting a refund through Citibank. ( emails attached ) I processed a dispute with Citibank who sent me a form to complete and the documents required. I was assigned a case number and never heard from Citibank again. I continued to contact customer service by phone, walking into a branch, and through social media and NEVER received any mail, email, call, text, or any other communication. Sometimes, Citibank would send the same initial form as if it was a new case. I got different stories from customer service each time I called. A couple of times I was told Citibank would mail me information or the case was denied. An employee at my local branch assisted me in sending the appeal in case via fax. ( email chain attached ) I have documentation for what I have described here + additional text messages with the hotel management company further instructing me to work with Citibank plus a record of the times I reached out to Citibank including screen grabs of conversations.
Consumer complaint received 2020-01-09
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. (CA)

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.
Consumer complaint received 2021-10-02
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: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/2021 i contacted Chex Systems to request that the company place a security freeze and refrain from sharing any of information about myself, XXXX XXXX. I did not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. I would like to have my entire credit profile removed from the data institution.
Consumer complaint received 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

On XX/XX/19 i noticed a new collection account on my credit reports from XXXX. They are not bonded in the state of Texas and therefore can not collect a debt on behalf of XXXX XXXX XXXX XXXX amount {$2000.00}.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

XXXX, Hunter Warfield document violate the Fair Debt Collection Act and the Fair Credit Reporting Act laws. I found SEVEN violations. Each violation is a {$1000.00} dollars according to 15 U.S code 1692K
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX  opened : XX/XX/XXXX -XXXX  opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I wrote to Experian and XXXX concerning acct # XXXX. They stated that the account is accurate and varified but XXXX  did their investigation and deleted it from my account. I have been trying to get Experian and XXXX to please remove this from my account as well. I attached the document that shows XXXX  deleted this from my credit report. This is hindering my ability from obtaining credit.