davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine.

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX/XXXX, acc # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-03-01
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 correct for erroneous reporting in my file and are listed on my credit report 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 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 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 2023-03-01
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. (KY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I have had a Home Depot credit card for several years. They automatically add promotional offers to any and all purchases including small purchases of about {$11.00} and {$26.00}. They did this without me agreeing to the promotional period of no interest. Unless I paid the card off in full they added over 50 percent interest after 2 years. They added a promotion to all my purchases resulting in this very steep interest rate being applied. The offers they send out even say must be applied to a large purchase. Apparently {$11.00} is large. They threaded me with {$2000.00} of interest unless I paid my balance in full. At that time {$2000.00} was higher than my running balance.
Consumer complaint received 2023-03-01
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 (IL)

The merchant never delivered its product. Agmented Glasses worth {$470.00} despite numerous calls/emails. I filed a claim with disputing department of my credit card bank, Bank of America. The purchace was made on XX/XX/XXXX this year. 
The company is XXXX located in XXXX XXXX, CA
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

I filed a claim with Navy Federal regarding a refund that I did not receive from XXXX. I provided screenshots to Navy Federal from XXXX customer service that confirmed I am due a {$260.00} refund. I also sent as many documents as were permitted to Navy Federal also confirming they canceled my refund request previously, which lead to the necessary refund of {$260.00}. Navy Federal provided me a provisional credit, but reversed it. Navy Federal has a XXXX liability policy for transactions that have been confirmed.
Consumer complaint received 2023-03-01
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)

The collection agency XXXX is falsely reporting that I owe {$1800.00} to them! I have NEVER met with them and I have NEVER signed any contract with them. I have tried disputing this several times to no avail. I have called them and also expressed to them that I had no knowledge of this! 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested that the XXXX credit reporting companys take off the reporting bankruptcy. I first filed on XXXX XXXX XXXX, but did not go on with it.It was dismissed But they keep reporting it like it still has happened. Also the same thing happened on XXXX XXXX. XXXX has reported XXXX different bankruptcy when none of them should be reporting at all. 
I have sent the XXXX companys copys of the dismissal letters but they seem to just keep reporting the same. I have been looking to get a home for my family, but cant because this is on my report.I also have multiple inquiries on my report that I would like to be removed, because of the bad reporting. please make them take this of my report. 
thank you for your support XXXX XXXX XXXX vet.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

It was deeply concerning and alarming that a bank would deny me the opportunity to open an account based on my XXXX XXXXXXXX. Unfortunately, discrimination based on race is still prevalent in society, and it was completely unacceptable. It was appalling to imagine that i would have been subjected to such hurtful language and denied a basic service simply because of their XXXX XXXX. 

, its a clear violation of both ethical and legal standards. Denying me access to banking services based on my race is illegal under federal law, and Truist bank engaged in such discriminatory practices & should face serious legal consequences. 

Moreover, being called racial slurs is an act of racism that is causing me deep emotional pain and distress. I feel hurt, angry, and disappointed that i was treated unfairly and differently than other consumers. 

It was the bank 's management XXXX XXXX that called me out of my name using the word ( XXXX ) and had me removed by authorities unlawfully. A police report was conducted and was documented about the event of discrimination. Additionally, Im seeking support from organizations that specialize in fighting against XXXX discrimination. 
Im hurt and distraught from this event and dont know if I can recover
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Richard Stone & Associates (OK)

I have a daughter with special needs, who DOES NOT live with me. Richard Stone & Associates sent her an email concerning my debt. My daughter is in no way connected to this debt. 

I called and spoke to XXXX XXXX. I explained the email issue with him and he promised it would't happen again. 

Yet, my daughter has received an email a week discussing my debt with her and causing her undue stress. 

Again, my daughter has special needs and has enough of her own to deal with, without Richard Stone and Associates harassing her weekly. 

Richard Stone & Associates, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was awarded over XXXX by the EDD for PUA. Before I received access to XXXX  dollar Bank of America allowed someone to fraudulently change my address and they intercepted my debit card. I called hundreds of times to check on the status of my card and I couldnt be verified which did not make any sense, and they just would refer me to the Edd to change my information so I could be verified. I spent countless time going back and forth with the bank reps, only to months later have a Bank of America rep accidentally disclose my address which gave me a way to reset my own account online, that had been set up by a fraudster. I then learned the extent of my case was in fact much worse than I could have imagined, not simply not receiving my card but it was drained every time my Edd funds were deposited. I Immediatly filed a dispute and the funds were temporarily put back into my account only to be immediately taken back by Bank of America after supposed investigation. They locked my account down for not being able to verify my identity. Months went by before eventually after a judge order I was able to verify myself and reopen my disputes. In the time I was helpless I reached out to my state assemblyman and anyone I thought could help. To this day I have received a total of XXXX. I had three disputes opened in the amounts of about XXXX, XXXX, and XXXX. For Nearly a year I call about a status of the reopened cases and just get vague, uncertain responses. It was first you will have a decision in the cases at most in 30 days. Then it became soon, we will add you to the waitlist. Month after month. Finally in XXXX they decided one case, the smallest of XXXX, in my favor. They didnt even notify me. I have called every week and all the claims dept will do is file w complaint, whatever that means. I am struggling, every day, and would implore your help protecting my award money and not being bullied by a bank with no recourse. Thank you.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

On XXXXXXXX  I was alerted by XXXX of a hard inquiry on my credit from Comenity Capital/IkeaXXXX . I did not apply for a credit card from Comenity IKEA. 

On XXXX/XXXX/XXXX  I received an e-mail from Comenity IKEA in response to the visa credit card I'd applied for - which I did NOT apply for - and that they would get back to me in 10-14 business days. 

On XX/XX//XXXX   I reported this activity as Fraud with XXXX ; they placed a fraud alert on my account for the next year, will call me for any future requests for credit, and gave me the confirmation number of XXXX. 

On XX/XX/XXXX   I attempted to report this fraudulent activity to Comenity Bank and am still on hold...
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: ENOVA INTERNATIONAL, INC. (MO)

I have been trying to fix up my credit report. On XX/XX/2023 I wrote to all the credit agencies to verify the debit, amounts, and actions taken on the account. I have received a letter via email saying that the account has been verified. I have written to the company to perform a debit verification, however I still have not received a response. A in dept research of this account has found that there are several errors on my report. NC Financial has different open dates as well as the date of last actively to the account. They have listed it as a charged off several times and then still continue to increase the amount owed each week without sending me any notice via mail. I have not received any account statements on this account period. Every other month they are changing their name in which they report under. One month its netcredit the next is NC Financial. 

In accordance with the fair credit reporting act Netcredit and/or NC financial 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.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXX Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. HSBC Bank USA , N.A . and XXXX XXXX prior to these incidents admitted in United States v. XXXX XXXX XXXX ( XXXX. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, XX/XX/2016, XXXX XXXX in the XXXX v. XXXX XXXX XXXX XXXX Case No. : XXXX notified the United States District Court of XXXX that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, XXXX XXXX. Consumer is the legal owner of the land and the land deed is attached. HSBC Bank USA , N.A . plead guilty in a XXXX Federal Court. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, XXXX. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of XXXX XXXX with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Cost of removal is approximately {$35000.00}. Quit Claim Deeds attached reserves all rights. XXXX XXXX is the proper lender in this matter. However, it appears that the attorney ( s ) are hiding their claim and interest to the property under HSBC Bank USA , N.A . accounts because HSBC Bank USA , N.A . denies consumer has any accounts with the bank. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.