davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I sent in paperwork XX/XX/2022 for a name change so that I can have documents from Wells Fargo in my legal name. I can not get the documents from the XXXX XXXX  XXXX division notarized until the name is changed. I have called and emailed repeatedly. My specialist, XXXX XXXX does not respond. After hours of phone calls on XX/XX/2022 I spoke to a girl in the Bankruptcy Department named XXXX XXXX. She got me an email address to send the documents to. 

Its the same email address that I sent them to XX/XX/2022. 

I have been hung up on. Put on hold. Ignored. Threatened with being thrown out of the post Covid program I am trying to finalize. This team at the XXXX XXXX  XXXX Department have made it impossible to get anything done. They do not answer you and do not try to help you. It should not take this long. I just want to get the paperwork done so I can finalize everything and set up my autopay. I can't do any of this because I don't even know what my new post Covid mortgage payment is!!! 

I have contacted and received a auto reply about a 5 day response. But no one responds.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

I have an account with Macy 's and I opened it in XXXX, I kept it in good standing and then the pandemic hit and a fell behind on some bills : Citibank being one of them. Macy 's and some of my other creditors decreased my credit lines to {$100.00}. The original credit line at Macy 's was {$1100.00} but I've been working diligently to improve my credit. I settled a lot of debt and I recently requested an increase on my Macy 's account that was decreased back in XXXX of XXXX. Macy 's declined my request due to my having an existing account with poor payment history which is not accurate. I believe that I have shown that I can manage a higher credit limit and furthermore it is untrue to say that I have an existing account and deny credit to a consumer. I did call Macy 's and speak with someone by the name of XXXX and she stated that she would be making a complaint to mend the error. However, I wanted to make the complaint to follow through to ensure that I am protected and I receive the attention that this demands.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (VA)

I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

The disputes that I have are as fallow : XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$420.00} XXXX. XX/XX/2022 XXXX XXXX XXXX {$7.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX {$17.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX {$1600.00} XX/XX/XXXX - XXXX  that was I discovered this fraudulent charges I reported them and cancelled my debit card, I decide to send this to you because I did not received a positive answer front the bank.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-25
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. (IN)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance Owed : {$9500.00}
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # XXXX
Consumer complaint received 2019-08-21
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)

I have incorrect information on my credit file as a result of identity theft : |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - {$3800.00} - XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX| |EQUIFAX| |COLLECTIONS : - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX   XX/XX/XXXX XXXX XXXX |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I had tried to obtain my free annual credit report for 2022, as I do every year. I had no problem obtaining my report from XXXX and XXXX, but was refused report by Equifax, criminal organization that is spying on Americans and has already leaked their data, including mine, to hackers. When, at XXXX website, I moved onto the stage of getting Equifax report, a window popped up asking me only 2 questions, none of which pertain to my identity, email address and phone number. My phone number is not any of the business of Equifax, I'm already suffering from constant spam calls forcing me to change the number, neither Im required to own a phone number to receive my annual free credit report, as established by law! This demand is a gross violation of my privacy by Equifax. What's next, submit DNA to them to get my free credit report? I had been getting this report for years and was not asked for a phone number, this is illegal demand and is discriminatory against people who do not have a phone. Currently I do not have active phone! I provided my phone number and was refused service. I tried twice and while 1st time they demanded to call them, 2nd time they just gave me garbled message with all info blacked out clearly meant to be misinformation, I saved screenshots, for example the phrase " Our customer service is available between XXXX, XXXX '' was used, XXXX. I tried to call them and faced long hold, also was not helped and demanded personal data I'm not comfortable sharing with their faceless, nameless reps who can steal my info and identity! Equifax is required to provide free credit report to consumers, they are blatantly violating the rights of Americans, while stealing, illegally collecting and selling our data. I demand Equifax to cease and desist hiding my credit report from me ( they're doing it to force me to pay them and give them even more data on myself they're not entitled to ) and be charged with federal crimes they had committed and prohibited from further operations in the United States.
Consumer complaint received 2019-09-13
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)

submitted a dispute describing multiply violation on credit report but yet still XXXX claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-09-13
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. (FL)

I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX  - AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-04-28
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: Nelnet, Inc. (CA)

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 2022-03-09
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)

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NY)

On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I sent Equifax a request for my consumer credit report AND file via certified mail with a return signature slip XX/XX/2022. Equifax sent me a notice via mail dated XX/XX/2022 without the signature return slip, which I expected back. Equifax refuses to provide me with my consumer credit report, by way of another stall tactic. Equifax continues to violate my federally protected rights.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Society Business Services, Inc. (NM)

I have disputed this erroneous medical debt to the three  major credit bureaus. This debt collection agency has validated this debt three  times. They are claiming I owe {$450.00} and have it listed on my credit reports as a collection. " Bureau of Med ECONS XXXX '' Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX ( XXXX ) XXXX I have sent them a notice of dispute of debt and request of method of verification without response. 
I have perfect credit with the exception of this erroneous collection account that is not mine. 
I did a dispute with all three credit bureaus and even placed a fraud alert on my report over this. 
I want this collection debt removed from my reports and I want proof of ID they have on file and all other forms of verification where they are staying this is my debt.
Consumer complaint received 2023-03-17
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)

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. 

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  The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.