davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sent a certified letters to Experian, XXXX and XXXX on XX/XX/2022 regarding inaccurate information reporting on my credit report demanding immediate removal of the inaccurate inquiry listings. Experian, XXXX or XXXX has not followed up with me in over 30 days regarding the issue.
Consumer complaint received 2023-03-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Autovest, L.L.C. (NV)

This account Is Passed the California Statute of limitations for debt collections. This auto loan was originally owned by XXXX XXXX XXXX who then sold it to Autovest llc.. 
This account went into collections from XXXX XXXX XXXX The last update was XX/XX/XXXX. 
I disputed this account with XXXX for this exact reason and it was originally removed from my report. It wasn't until they sold this debt to Autovest LLC. that it was put back onto my report illegally I have never had any form of contact from Autovest LLC. 
As of today, XX/XX/XXXX, this account is 11 months passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California ). This is an FCRA violation and needs to be removed from all credit reports.
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (AL)

1.One Main constantly advertised in my XXXX XXXX account. 
2. I finally applied for a loan with One Main several days ago. 
3. I was pre Approved and then Approved for a loan and one main offered me approximately {$8000.00}. 
4. I received info in email stating again that I was approved and which stated I needed to verify XXXX XXXX XXXX. 
5. I received a phone call stating I needed to verify XXXX. 
6. I submitted every piece of verification to them. 
7. I submitted electronic verification of bank accounts by connecting one of my checking accounts. 
8. I was told again that I AM Approved and it would process within the morning. 
9. The next day came and my login dashboard for onemainfinancial.com still said VERIFYING and remains saying VERIFYING til this day and Pending. 
10. I called and inquired as to Why? 
11. I was told the underwriter now would like a copy of a tax return and proof of Direct Deposit or I will not get the loan at all even though Im approved. 
12. I explained I am a XXXX and do not have a tax return for my XXXX position and that I never said I received direct deposit and I do not. 
13. I received a call from the branch or district manager supposedly and discussed XXXX  Discrimination. She assured this is not the case however did nothing to over ride this refusal to give me the CREDIT WHICH I HAVE QUALIFIED AND BEEN APPROVED FOR AND SUBMITTED ALL ADVERTISED VERIFICATION FOR AND BEYOND. 
14. At this point I log in and my status still remains PENDING/REVIEW with one more step which is to finalize loan documents.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (WA)

I received a call on XXXX XX/XX/2021 at XXXX PST from the number : XXXX and I said Hello. There was a long pause and a woman named, XXXX ( sp? ) started speaking and said my American Express Account was noted as possibly being interested in a business gold card and asked about the nature of my business. She knew I had an AMEX card already and that I possibly had a small business but didn't know the nature of my employer. I felt uncomfortable about the call and therefore called the American Express Customer Service line to be sure the call came from them. They said they would never solicit over the phone and that number is not an American Express associated phone number. I called back the questionable phone number and got a voicemail saying it was " XXXX from American Express. '' I hung up and did not leave a voicemail.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I recently legally changed my name and want to update my new legal name on all of my Citibank credit card accounts. I went to multiple physical branches and no one could help me as they only deal with checkings/ savings accounts at the branch. 
Instead, they offered me to try their online or telephone customer service. 
I called the number given to me and they could not help me. So, I tried Citibanks online live chat. They tell me they can not help me and I must speak to a specialist who can easily fix the problem. They give me the same exact number I called previously. 
So, I tried calling again. Once again, they can not help me. Instead, they tell me I need to mail my social security info and other very important info to a specific address. Im not mailing important documents like that. 
So, no one at Citibank knows what to do or how to even help me
Consumer complaint received 2021-04-08
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)

I have no knowledge or records of this account on my credit report. 
I have disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please tell me the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009.

Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). 

I also reserve the right to include your Bureau in any legal remedies I pursue.
Consumer complaint received 2022-03-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2022-09-04
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. (LA)

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ) violated my rights. 

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
Consumer complaint received 2022-07-28
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. (NC)

It has been proven that you are not setting back records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On XXXX-2022 I seen a warning notification/message about how to prevent fraudulent activity a week after I opened my account, I ignored it because I didnt know what they were referring to. There wa no message or nothing and no one over the phone could explain to me what the message was for. And Nothing on my account was fraudulent. I had set up direct deposit with Citibank on and transferred over $ 3k on XX/XX//2022. I got a text message that was dated XX/XX/2022 asking for me to click on the link and log in to prove who I am before my account closes on the XXXX of XXXX, when I received that text it was already the XXXX of XXXX. I called Citibank and they said they never send out texts messages and to ignore it because it is fraud. So Ive tried logging in to my online account with them, and after I signed in it asked me to provide them with my debit card number and last 4 of social. Everytime I did that it kept on telling me that it did not recognize me. I called citibank again on XXXX to see what is going on with my account and my direct deposits from my job. They kept telling me that there is a block on my account and that they have to transfer me over to a department who could release the block. They transfer me and the phone agent tells me that my account is closed, read off some long script about a decision that was made to close my account and then hang up. They still have my check pending when they told me my account is closed. Theyre refusing to tell me how to go about getting my money, and when did they close out my account. Nobody is telling me where my other deposit of $ XXXX went. I am just tired of calling them everyday and just to get the same response every time. They never let me speak to a supervisor or someone in the fraud department, it is always a regular agent who is assisting me and acting as if I am some type of criminal and like my hard earned money from my job isnt mine! I havent recently any letters or emails from them to say my account was blocked, on hold or is closed. I can not provide any documentation since they blocked my account, I could no longer sign in to my online account.
Consumer complaint received 2023-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (PA)

This company is violating the FDCPA, JPMorgan Chase Bank. I asked this company to show proof of this alleged debt. They sent me copies of an installment contract showing that they was assigned a contract by a creditor, when in fact they are debt collectors trying to collect on a debt that I do not owe them. This company has stolen my personal property ( vehicle ) Pursuant to 15 USC 1692e. -False or misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The false representation or implication that nonpayment of any debt will result in arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is unlawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. According to 15 USC 1692f -Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I Dispute any debt allegedly owed to this company. This company must stop all collection activities, I am revoking now. Do not attempt to sell my personal property ( The Vehicle ) This company has also violated the FCRA by reporting inaccurate information on my Consumer report to the Consumer Reporting Agencies. According to 15 USC 1692k The Law is very clear as to the Civil Liability and remedy available to me.
Consumer complaint received 2022-03-25
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: CITIBANK, N.A. (OH)

I received an email from Macy 's XXXX XXXX that my account was past due, I called and explained that I had not used my Macy 's card in years and the number on my card didn't match the number on the account they had. They started a fraud claim on XX/XX/22 and stated it could take up to 3 months for the investigation to be completed and that I would not need to do anything until I heard from them. I then checked my credit report and they had reported me to the credit bureau which negatively affected my score while trying to refinance my house. They then mailed me 3 new Macy 's XXXX XXXX cards all with different account numbers, I called and they cancelled all 3 cards.
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC should protect fraud on accounts and if they choose to utilize XXXX, that should be part of their responsibility.
Consumer complaint received 2022-08-09
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. (TX)

In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX, ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have violated my rights. 

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.
Consumer complaint received 2021-10-10
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: ERC (KY)

They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2022 I sent out letters to the credit bureaus of XXXX, TransUnion, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Consumer complaint received 2021-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.