davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (TX)

XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.

I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report. 
XXXX, Equifax, and XXXX have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX Law Office , XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC
Consumer complaint received 2023-01-15
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. (PA)

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. Account name : XXXX XXXX XXXX  # XXXX xxxxxx Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-24
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. (TX)

just checked my credit report i realized that my identity was used which i do not understand how people was able to open any account or any inquiry in my name, so unauthorized unverified inquiries have been reported on my credit reports. 
Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX was on XXXX, XXXX, XXXX collections : XXXX procollect in XXXX, XXXX, XXXX XXXX procollect in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. 
Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. 
We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. 
Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

After PayPal changed its terms of service, I immediately tried to close my account. I tried multiple times, but they continue to provide the message of " Sorry, there's a problem. If you keep seeing this, please contact customer service. ". I then contacted customer service multiple times but its actually just a bot. The customer service chat said that " there are zero issues '' with your account. 

So if there are no issues, why will they not let me close my account?
Consumer complaint received 2020-02-28
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. (PA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX 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. Im doing this on my own behalf.
Consumer complaint received 2022-01-21
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. (MN)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-17
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC. (DC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-03-19
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. (OH)

In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXX XXXX  XXXX. Acct # XXXX 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. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX  XXXX XXXX XXXX mischief XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : " If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. ''
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paramount Recovery Systems, L.P. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (FL)

I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I  contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

About the XXXX of XXXX I opened an account at Coinbase using a referral link, as described in https : //www.coinbase.comXXXX 

On the XXXX of XXXX I bought XXXX XXXX  XXXX Bitcoins, to get the promised promotion and receive {$10.00} USD, as described in menioned Referral program link. 

Several days after, and as I didnt get the {$10.00} USD, I contacted Coinbase Help Center to explain what had happen. They answered me that they were going to check what had happen and they would contact me. After spending several days without an answer I wrote to them on several occasions explaining what happened and that I had met all the requirements of the program and in all of them they replied that they were going to check it and that I had to wait for their response with a solution. Today they answered me for the last time saying that the case has been closed and that I have to open a new one, but I still have not received an answer to what happened, nor of course the XXXX dollars of the promotion. 

I ask you to help me and get Coinbase to fulfill the promotion and give me the XXXX dollars that must be paid. 

( Please excuse my XXXX, but I'm XXXX )
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I have 2 credit cards from Citi bank as well as banking accounts for over 30 yrs. It started in XXXX XXXX to current, Citi keeping my credit availability only {$200.00} - {$300.00} every 2-3 months. I am regularly making payments for both credit cards on time, and not using these cards. The very first time they made my credit line lower in XXXX, XXXX ( Citi lowered almost 50 % deduction ), I called their customer service several times. Their answers were always uniformly the same as " Please contact the credit agency ''. I checked 3 credit bureaus, but nothing was found negative. I have other credit cards from XXXX XXXX & XXXX & XXXX, they do not make changes on my credit line, one of them actually sent me a better offer. 
A few months later, Citi lowered my credit line again. I called them, heard the same as before. Another few months passed, Citi did again. They keep my credit line stays only $ XXXX {$300.00} availability. Basically, Citi is saying to not use their credit cards, asking me to close the accounts. This cause my credit score to lower, almost XXXX - XXXX points down because of Citi 's this practice. Citi is intentionally lowering my credit line to make my credit score lower. The more I make payments, the more Citi lowers my credit line to make my credit score lower. It's harassment against an individual who honestly making payment without delay, without using these cards. I have asked many times to transfer my call to their credit department, but they refused to do so. 
During the pandemic between XXXX - XX/XX/XXXX, I received a strange letter 3 times from Citi which is asking me to contact them to clarify the information. I called their phone # on the letter every time I received a letter, but no one doesn't know what it is. I have even asked their manager what going on is. This manager also can not find the reason for the letter I received.

I really want Citi to investigate the internal system what going on is. It may mix with other individuals or by their employee illegally access to Citi customers account, and input faux information. Please investigate Citi 's business practices and employees.
Consumer complaint received 2023-01-15
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. (FL)

XXXX has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX Bank is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate XXXX THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.