davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

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 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 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 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am a cardholder with a Capital One Venture X credit card and am in good standing as I use autopay to ensure my statement is paid off monthly. The card offers XXXX miles- up to 100,000 miles for the year - for each friend approved through my 'Refer a Friend ' link. 

I have referred three friends using their referral link but have not received the miles. Each friend has confirmed that per the referral program 's terms and conditions, they used my referral link and that they were a new Capital One credit card customer. 
- I sent one friend a referral link in XXXX XXXX who confirmed they received and were using the card since XX/XX/XXXX. 
- I sent one friend a referral link via text on XXXX XXXX, XXXX and in XXXX XXXX, XXXX she confirmed she received and was using the card - I sent one friend a referral link via text on XX/XX/XXXX and in XX/XX/XXXX she confirmed she had received and was using the card. 

These referrals amount to XXXX miles each or XXXX total, which according to XXXX XXXX have a value of XXXX cent each and is equivalent to approximately {$750.00} depending on how the points are redeemed. 

I have been monitoring my statements monthly in order to determine whether I received the points : - On XX/XX/XXXX, I called Capital One at XXXX in order to determine the status of my points. They stated it can take up to two statement periods to receive the points. 
- I called back again XX/XX/XXXX and spoke to XXXX employee # XXXX who offered me a one-time courtesy statement credit of {$250.00} and would escalate for the remaining points. 
- I called back again on XX/XX/XXXX and spoke to XXXX and XXXX employee # XXXX and was told that they have no visibility into seeing why I have not been awarded the points when I and my friends have met the terms and conditions. 

Each representative was courteous.
Consumer complaint received 2023-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my accounts with them and canceled my credit card which had {$1500.00} in bonuses on it. 

They would not give that money to me and denied me access to it. 

Basically. My account representative at Bank of America told me to go through them
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (PA)

I paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative information on my credit report.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ I visited an XXXX XXXXXXXX XXXX to get an examination done. After showing documentation of what I needed and confirmation that they would be able to provide the service, they failed to provide the service correctly and gave me incorrect paperwork. I needed this paperwork for a potential job which denied the form because it was incorrect. This forced me to visit a different XXXX XXXX XXXX on XX/XX/2023. I showed the doctor at this location what I was given and he confirmed that what I was given on XX/XX/2023 was nothing and no actual test was done. Essentially I gave my money to XXXX XXXX number one for no reason as they were not able to give me the paperwork I needed. 

I gave this information to bank of america and they denied my claim.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (VA)

On or about XXXX XXXX, 2017. I contacted Midland Credit Management , Inc. ( MCM ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I am a victim of a teller opening up multiple accounts at Wells Fargo. I started a new job in XXXX, Ca that issued their payroll checks through Wells Fargo. At the time of my employment I opened a checking account at the near by Wells Fargo branch-XXXX, Ca location with the help of a a female representative. Shortly after I opened my account, I recieved additional paper/physical checks via mail. At the time I thought this was a oversight and just got mailed additional checks. I was n't a check writer ... so this went over my head. More came over time and there I started investing. From there I called and called the Wells Fargo hotline and only got the runaround. This was very time consuming and no one had answers. Finally I called the XXXX Ca branch and started to get answers. It got escalated to some internal investigation. I felt helpless as they are a huge corporation. I felt violated. Someone was eventually terminated. I feel justice was not served. I told everyone I knew. People probably thought I was nuts and my boss at the time thought me spending time at the branch or calling Wells Fargo was XXXX. I eventually gave up..Defeated. 

Years later I see they are finally in trouble. I want to share my story and file a complaint to show this can not and should not happen to anyone. I would n't wish this on anyone.
Consumer complaint received 2023-07-15
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (NV)

Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from Experian dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.
Consumer complaint received 2023-10-31
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. (CO)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Last year I lost my business because of divorce. A month ago I got a letter from a layer. Said the house will be actions off XXXX XXXX 2016 I call the bank asc.. well Fargo to do a short sale ..she said get a reality to call them..I dI XXXXd that same day ..the bank do n't call back. So I call the bank and said no one call the reality..to do a short sale .so that day the reality take with the an got all the paper work them that week..this week the reality call an said it to late. The paper work need it the week before fore No one tell me that and the every call that week it would been done if the bank tell me that.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Capital One account number XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to my 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. 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.