davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-20
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. (CA)

I am a victim of the Equifax Data Breach. My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the account items listed on the attached letter be DELETED from my Equifax credit report effective immediately.
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXXXXXX, XXXX, and equifax via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,
Consumer complaint received 2024-12-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

This is a follow-up to complaint number XXXX. The company responded to that complaint by sending a new gift card ( this is the XXXX card ) which also does not work. The card can not be activated for use on either the company 's automated voice line or their website. A call to an agent of the company earlier today was not fruitful. The agent claims to have opened a ticket to address the issue but is unable or unwilling to provide a ticket number. The agent was also unable to activate the card and unable to transfer me to a person who could assist with activating the card. The agent 's suggestion was for me to call back again in XXXX business days. I suspect this return call will be unproductive given that there is not a ticket number to reference. 

It is becoming clear that, after XXXX unusable cards, this company has no intention to resolve this issue. I'm a XXXX XXXX with a lot of time to pursue this matter in a number of ways but would prefer to receive XXXX from this company without any additional hassle or delays.
Consumer complaint received 2024-10-29
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)

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX, XXXX, ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (CA)

XXXX XXXX XXXXXXXX took {$3700.00} cents off my bank account on XX/XX/year>, Bank XXXX XXXX never notified me that my account was been garnished, I received I legal order 2 days later after they took the money off my bank account, after that I got mail that I had a hearing on XXXX XXXX XXXX, I went to court and the other party didnt show up to the hearing they just had papers sent to the court, I had to fill out a claim of exemption and the judge granted my claim of exemption I have a paper signed by the judge that says I won the case and that I XXXX supposed to get my money back as a refund, I have made multiple calls to the parties involved with no luck, the XXXX XXXX XXXX department XXXX me they sent the funds back to XXXX XXXX XXXX XXXX XX/XX/XXXX and that it was cashed on XX/XX/XXXX and the bank is telling me they never got the funds, the sheriffs department gave me a check number XXXX to Bank XXXX XXXX XXXX department XXXX XXXX DE XXXX The sheriffs phone number is XXXX like I said Ive made multiple attempts to get my refund and XXXX still trying after XXXX months I had no luck. I have a case number to XXXX, bank XXXX XXXX tells me that I have to call the sheriffs department and the sheriffs tells me I have to call XXXX XXXX XXXXXXXX and XXXX tired of calling back and forth because nobody has answers about my refund, thank you I hope I get the help I need in this case.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX failed to verify accuracy and violated my rights and continue to do so by falsely stating they verified with proof requested. Moreover, Collection agency is not licensed in WA state.

15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations. 

XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX  is reporting on XXXX, XXXX and Experian. I have know kowledge of this company. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedure
Consumer complaint received 2022-02-05
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: Self Financial Inc. (NC)

I am conducting this complaint on the SELF credit card. I have tried several times for months to pay my card off, however, the payment always states failed and the transaction never goes though. I have tried to call the customer service number over a course of months and even waited on the phone for 2 hours on hold. Even then I could still could not get into contact with anyone. Finally when I contacted them though email, I received a response. Unfortunately, it did not even help me find a solution. In that instance I asked for a supervisor and the associate stopped contacting me. This card is starting to affect my credit score in a very negative manner and I just want the issue to be solved correctly.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my fianc received his federal tax return & barely received his ID so he didnt have a bank account yet. I referred chase because I bank with them & thought it would be easier if we had the same bank. The following morning we went to 3 different chase banks locations around town because they all had XXXX availablity to make my fianc his own chase account until the following week but we needed funds ASAP so a chase branch representatives told me that I can try other banks & maybe theyll have sooner availability. After the 3rd chase bank we went to ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) we spoke to representative, XXXX, she lets us know theres also no appointments until the following week. We sigh in a respectable frustration & asked if theres other options because we need it as quick as possible. She said/ADVISED US & I quote if he has his ID & signs the back of the check he can endorse it you & the check will be delayed until XX/XX/XXXX but it usually clears before that. I would have never had him endorse the check to me if I knew it was going to be a hassle & take this long if I wasnt advised to do so. At no point in time did the representative tell me that third party checks are usually flagged & it would be better to have the check put into the an account with the check holders name. Now its been over 6 months and all I keep getting is he needs a number thats verifiable. When if I would have known this information I would have just waited & had him get his own account because hes under my phone plan. We got him XXXX lines with XXXX different companies with his name & still no luck which is more money were spending just to get our money. The address on the check written to him is the same address I use for my chase bank & he even has a secure chase account since XXXX with updated phone number, home address, & social security number so at this point it seems like chase is scamming me & that this is fraud. I would also like to seek interest because how cant you verify a government issued check with one of your own chase customers? Especially after a representative for chase advise me to do sign the check over with no warnings or heads up.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (GA)

Chase bank is kind of forcing a debt on my business account by charging {$15.00} service charge on a {$0.00} balance, when i try to close the account.The {$11.00} owed should be removed from my credit report. 
I also tried to dispute through XXXX credit bureau but the system would not allow me. 
what kind of a scheme is this?
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (GA)

In 2017 I was going through some XXXX XXXX XXXX and was unable to work for a period of time. During this time I fell behind in my payments to Barclays Bank Delaware Credit Card. 

Barclays proceeded to close my account and charge off my credit. 

I have contacted Barclays several times about this matter to try and resolve the issue, make payment arrangements, etc ... and have never received a response, yet they continue to report this matter on my credit report as an unpaid closed account. 

I would like for assistance getting this item taken care of in an expeditious manner. ]
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX license to collect a debt in FLORIDA, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX  to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 4 hard inquiries on my Transunion report that are not showing on my other 2 reports from XXXX  nor XXXX. I have identified the inquiries below and request that transunion remove them. They are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
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. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I received a phone call from XXXX XXXX this afternoon. She stated that she was from the Executive Offices of XXXX XXXX. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in XXXX XXXX " Auto Pay ''. 
I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked XXXX XXXX to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my XXXX XXXX XXXX XXXX as of today which states in LARGE RED LETTERS " Prevent a 30-day delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as XXXX XXXX has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If XXXX XXXX would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if XXXX XXXX receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.