davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I received a telephone call from a collection agency claiming I owed {$5800.00} on a " Care Credit Card. '' I explained I had no such card and questioned what it was and where the charges came from. I was told it was for XXXX XXXX earlier this year at a location in XXXX Florida. I have not been in the state of Florida since XXXX. The collection agency said I should speak to the card issuer, XXXX XXXX. I contacted their fraud department who told me to file a police report and get back to them. I filed a report with my local police department ( XXXX XXXX, NJ ) and sent the report to the Bank 's fraud dept. On XX/XX/XXXX I received a letter from the bank 's fraud dept saying they completed their investigation and instructed the three reporting agencies to remove the fraudulent card from my file and that the process could take up to 6 weeks. In early XXXX I applied for a JC Penney credit card and was denied credit - on inquiring as to the reason, I was told that JC Penney uses XXXX XXXX  and that XXXX XXXX claimed I had a prior unsatisfactory account. I have never at any time had an account at XXXX XXXX. The Synchrony Account # that should have been removed is : : XXXX. When calling Synchrony about this at XXXX they told me their computers did not work and that I would have to call back some other time.
Consumer complaint received 2022-06-24
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.
Consumer complaint received 2023-07-19
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : 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 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to inform you that I have been the victim of identity theft resulting from a data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$8000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to formally report an issue I am experiencing with XXXXXXXX XXXX regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX  XXXX discharge, I contacted XXXXXXXX XXXX to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There are XXXX banks on my credit report that have amounts owed that I disputed for fraud. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

XXXX XXXX charge amount {$3200.00} XXXX  XXXX XXXX amount {$6300.00} XXXX XXXX  XXXX XXXX XXXX {$5900.00} These credit cards were opened in XXXX and I filed a report with the XXXX XXXX Sheriffs XXXX XXXX XXXX XXXX TX XXXX I gave each company info on my fraud claim with XXXX XXXX. I sent them back up such as documented proof of other institutions that researched and determined that my identity was used fraudulently.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

On XX/XX/XXXX, I received services from XXXX XXXX XXXX ( subsidiary of XXXX XXXX XXXXXXXX ) and paid in full directly to them at time of service ( see receipt attached ). However, in XXXX, I noticed that a collection agency, XXXX, reported this debt on my credit report. I filed a dispute, and the debt was subsequently removed from my credit report after I provided copies of my receipt showing I paid at the time of service in XXXX. 
Recently, I discovered that Cascade Capital Funding LLC sold the same debt to the XXXX XXXX XXXX who added this same debt to my credit report again. I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I paid at the time of service in XXXX and provided my receipt as proof of payment. 

Fair Debt Collection Practices Act ( FDCPA ) The key violations I am reporting : XXXX False or Misleading Representations : Debt XXXX XXXX not falsely represent the character, amount, or legal status of any debt. By attempting to collect a debt that was already paid in full and previously disputed, the XXXX XXXX XXXX is violating this section. 

XXXX Harassment or Abuse : Attempting to collect on a debt that has already been paid could be considered harassment. 

XXXX Validation of Debts : If you dispute the validity of a debt, the collector must cease collection until they provide sufficient validation. Given that the debt was previously disputed and resolved, attempting to collect again on the same debt violates this section. 

Fair Credit Reporting Act ( FCRA ) Key violations include : 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers of credit information ( like collection agencies ) must ensure that the information they report is accurate. By reporting a debt that was already paid, Cascade Capital Funding LLC and the XXXX XXXX XXXX are violating this provision. 

623 ( a ) ( 3 ) Duty to Correct and Update Information : If an error is found in the reporting, creditors or debt XXXX are required to promptly update or correct the information. Since the debt was previously removed after your dispute, re-reporting it as unpaid is a violation.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, 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 a open end consumer credit plan as late for gal purpose.

5
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NJ)

today, XX/XX/2022 I tried to activate my vanilla visa {$50.00} gift card given to me by my daughter for mothers day. I've tried and tried to reach them any and all ways available. such as XXXX numbers etc. once I actually spoke to someone whom I couldn't understand because of language barrier. she tried to sell me something - again I couldn't understand her but i did understand she wanted my banking account information which I quickly said NO. then she gave a phone number : XXXX which is a cable company!!!! 
this nonsense went on and on I went to the vanilla visa website VinillaGift.com and of course I found no luck there. so im contacting you. really all I want is to activate my gift card and enjoy the bounty. I've contacted visa directly and no help there. 

can you help thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I disputed several transactions from XXXX with my credit, which is Discover. Some tech was not cooperating with my request. They wanted to charge my card over and over, so I disputed all the transactions and I explain to discover why I am disputing those transactions. You know any heads up any letters, any calls they closed my account. Ive worked so hard to take my score up to XXXX now Im at XXXX of their poor decision, I need this resolved and I need my credit back. I have hundreds of messages between me and thumbtack, which I have provided to Discover again they close my account without any notice no letters no call
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll on my credit report.
Consumer complaint received 2023-07-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX amount {$4300.00} yall keep reporting that i owe supposed debt i never gave ANYONE permission to furnish anything on my consumer report pursuant to 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. i demand the written instructions because i know for a fact because i have first hand knowledge of the facts further more its violating my faith in god because he issued his servants the credit Proverbs 22:26-27 Do not be among those who give pledges, Among those who become guarantors for debts.

If you have nothing with which to pay, Why should he take your bed from under you?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo allowed 10 accounts to be opened in my name. These accounts were then closed and then very difficult to track by Wells Fargo employees themselves. Due to Wells Fargo 's illegal business practices, I have lost 10 years of my life and many relationships due to the stress that this has caused me. Wells Fargo continues to deny any wrongdoing, provides the same answers to my questions, and will not provide any statements to me that will help identify who illegally accessed my account. I can only hope to be directed to the appropriate government agency to report these types of illegal banking practices so that nobody has to lose their life to greed like I did. I had over XXXX in my savings before opening an account at Wells Fargo- I was bankrupt shortly after and left with no answers. I have never had such a breach of my personal information in my entire life. Why was I not contacted at all by Wells Fargo until after they were sued by another party for similar banking practices? I am a victim of a crime that has been largely ignored but shouldn't be- it is very serious to be evicted, not be able to afford gas, or food because someone has broken into your bank account and the bank is not protecting you as you had expected them to do according to their own terms and conditions which they seem to make up as they go.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have already sent multiple letters to XXXX, XXXX, and Equifax requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that XXXX, XXXX, and Equifax have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NC)

I received my tax refund, which was paid into my credit karma spend account. Within 24 hours, my credit karma spend account was frozen, and there was no one to contact. I was able to contact them via chat, and they informed me that they had escalated my matter to another department and that I should expect an email. I have not been contacted, and my money remains in the account with no assistance. This has put me in a financial bind, and I am really dissatisfied with the situation. I want credit karma to release my funds so that I can take care of my banking needs elsewhere. Thank you very much.
Consumer complaint received 2022-06-24
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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.