davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

Equifax credit reports refuses to take this charge off of my credit report, as the collecting agency, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (NJ)

I contacted Penn Credit to pay off a debt, they freely without asking them gave out my whole social security number without asking. this information should not have been given out in its whole,. a scammer could just give them my number or address and they will recite a whole social security number to anyone with that address.
Consumer complaint received 2023-09-30
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

The letters are stated with items and issues.

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 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sold my building and escrow sent my funds to my Bank of American account, XXXX XXXX. From XXXX XXXX XXXX I want to transfer the funds to my wealth management account XXXX. I went to the Bank of America at XXXX Texas on XX/XX/2019 and completed the wiring instructions. I was told everything looked good. I informed my wealth manager that funds were on their way. He called me many times he never received funds. I call the branch and was told that I was turn down because their was no signature card on file. Not true, branch manager was able to bring up my signature on his computer. The branch manager called and left voice mails and emails to superior. He got no response. Today I went to the branch and manager told me that Bank of America is closing my account on XX/XX/XXXX and reason give they do not want to work with companies like mine. That was the only reason give. My company purchase and rent office buildings. 
My wealth manager purchased investment bonds for me in hopes of getting the funds. 
Because B of A did not send the wire I lost {$8000.00} because wealth manager had to sell the bond he bought. I was on vacation from XX/XX/XXXX to XX/XX/2019.
Consumer complaint received 2019-08-11
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: National Credit Adjusters, LLC (TX)

On XX/XX/2019, a collections account, in the amount of {$1400.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (TX)

XX/XX/XXXX someone from XXXX XXXX XXXX contacted me and said that I had a credit card with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. They said that I owed XXXX XXXX  {$2600.00} from XX/XX/XXXX. They also stated that if I paid the settlement of {$1500.00} by XX/XX/XXXX, then they would not report any derogatory information to the credit bureaus. I explained to the representative that I do not owe any money to XXXX XXXX, and that I do not remember having a credit card from XXXX XXXX. If I had a XXXX XXXX XXXX XXXX, I would have already paid it off. She then asked me if I had social security or XXXX benefits in which to pay this debt. She stated that if I do not pay the debt, that they would place a lien on my house and add this debt to my credit scores. She stated that I had good credit but it would not be good when they added this to my credit report. I explained again that I do not have Household Bank credit card and if I did, it was 13 years ago based on her dates. I looked at my credit report and I noticed that XXXX XXXX XXXX had an inquiry on my XXXX  Report XX/XX/XXXX. I also noticed that I do not have a XXXX XXXX  credit card on my credit report. I also sent a complaint to the Texas Attorney General.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

To Whom it may concern : Starting in XX/XX/2019 I started reviewing my credit file for inaccuracies and found several with old addresses, phone numbers and names that did not belong to me. I contacted the credit bureaus to get the information that was not mine updated. Upon doing so a Fraud Alert was placed on my account with Equifax, without my request. I immediately contacted them and had the alert removed. When I did this the representative opened disputes on all my old accounts that were closed and reopened them to show negative marks such as past due or charged off. This immediately caused my credit score to drop over 25 points. Equifax has continued to cause inaccuracies on my consumer report causing much distress and inconvenience. With the XXXX Account myself and XXXX   have submitted request several times to update accurate account balance information. Equifax is still showing a high balance from XXXX of 2019 in the amount of XXXX. And they have refused to update with the correct statement balance of XXXX, which is causing my credit utilization to be high. 
With Equifax making the inaccurate updates and changes it is notifying XXXX of the changes causing this credit score to not be accurate. I was at a XXXX and because of this I have now dropped to a XXXX. I have had to lose time at work contacting creditors to make the correct updates and they are unsure as well why the accounts have been updated and or changed. I have worked extremely hard over the last 6 months to put my family in a position to buy a house and start a new business and with the way Equifax and XXXX has handled my accounts and request have prolonged this from happening and has caused me more stress than I ever have experienced. Due to Equifax it makes it look as if my bankruptcy has started all over again and has ruined the chance of any bank extending me credit. My credit report was locked with XXXX XXXX, XXXX and XXXX XXXX, yet they were still able to make request. I feel like my rights as a consumer have been violated. 

I would like for the negative remarks to be removed from my credit report and my credit report back to the original status that it was in XX/XX/2019 reporting score at XXXX. I would like to further investigate filing a lawsuit against Equifax for all the damages, time taken away from work and distress of having to deal with this getting fixed again. I would like to see my accounts reflect accurately. I would like for all of the old addresses & incorrect information that Equifax has listed that has already been requested to be removed to be removed as soon as possible.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Experian has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

One particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Experian has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Experian 's practices are not in line with the FCRA 's requirements. It appears that Experian may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Experian complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

In XXXX, I have called Citicard to cancel my Citi AAdvantage premium select card ( card number ending XXXX ) to avoid any annual fee. The agent talked me to upgrade to a Citi AAdvantage mileup card ( card number ending XXXX XXXX to avoid annual fee and will remove the annual fee charges on my AAdvantage premium select card. I agreed. However, after a couple of weeks, I noticed the annual fee still on the statement. So I called and was assured that the fee will be removed after the card is transitioned to the mileup card. 

After the card has been transitioned, I still see the annual fee, plus interest charges. So I called citicard again and demanded them to remove these fees and close this credit card account. I was told that they will take care of it and send me an email confirmation. 

I still see the charges on the statement, Citicard has mislead me many times, I'm not sure how to get help at this point. I hope you can help me. 

Thanks, XXXX
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TCF NATIONAL BANK (MI)

On XX/XX/XXXX, XXXX XXXX located in XXXX, MI repossessed my vehicle for owed payments to Gateway Lending & Finance for a XXXX XXXX XXXX. I attempted to contact Gateway One that same day but never was able to speak with an actual representative live. I finally got a hold of someone at Gateway XX/XX/XXXX. The person I spoke with directed me to the repossession collection agency XXXX XXXX to obtain my items from my vehicle as permitted by Michigan law. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX and spoke with a person claiming to work off of appointments. Since the vehicle was repossessed from XXXX XXXX, MI to XXXX, MI there is at least a 30 minute drive for me to get my items back. I told the person I would have to contact XXXX XXXX back again after I arrange for a ride to pick my items up. I was under the impression that I would have time to actually go through the vehicle, the person at XXXX XXXX claimed it was a 30 minute appointment. I contacted XXXX XXXX on XX/XX/XXXX after arranging transportation at XXXX XXXX and leave a message. The person contacts me back at XXXX XXXX on XX/XX/XXXX. We agree to an appointment at XXXX XXXX on XX/XX/XXXX for me to be able to remove my items. I ended up being late for my appointment since my elderly, XXXX mother let me drive her car there but got lost on the way to pick me up. I contacted XXXX XXXX at XXXX XXXX  on XX/XX/XXXX to confirm our appointment at XXXX XXXX, the person I spoke with stated ok. I contacted them again at XXXX XXXX on XX/XX/XXXX to let her know I was running late, there was no answer nor any answering machine when I called. I called again at XXXX XXXX  on XX/XX/XXXX and left a message stating I was running late. Once I arrive at XXXX XXXX the person claimed our appointment was at XXXX XXXX very rudely instead of XXXX XXXX as if wanting some kind of argument despite our phone call confirming the latter time earlier on XX/XX/XXXX. The person claimed the paper I signed was to waive any fees associated with removing my items from my vehicle that may be imposed by XXXX XXXX. She then told me to stand outside of the office. Seconds later she threw a trash bag with holes in it and full of my items onto the ground but did not say another word to me. Once I was able to go through the items in detail in the trash bag I realized that there are at least 2 items missing that were in my inner console of my vehicle which belong to me. I contacted XXXX XXXX to notify them of the missing items at XXXX XXXX on XX/XX/XXXX and left a message. XXXX XXXX lied about our confirmed appointment time and stole at least 2 items from my vehicle. I have my cell phone call listings to show when I contacted XXXX XXXX to obtain my items from my vehicle as proof.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Neon Newco Corporation (OH)

I went into a store paid cash for a Net spend card. I listened to the instructions and provided all my information. After I tried using my card with XXXX and, trying with XXXX. Being unsuccessful in receiving a ride. After the next day I tried to use card, and was directed to there call system where they provided a subject number asking for the information I already gave and asking me to send through a email. I've never had difficulty in the past and I'm suspicious of there activities
Consumer complaint received 2019-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXXand XX/XX/2019I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX # XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/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.