davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX Date XXXX XX/XX/2019 XXXX XXXX  Date : XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Consumer complaint received 2020-06-10
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

Please see previous complaint XXXX that was considered closed. 

Per Truist Representative XXXX XXXX, the account was closed without explanation. I contacted Truist again, as the account shows active on my bank profile. 

The account remains open, even though XXXX 's final response states the checking account ending in XXXX was closed.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to the Fair Credit Reporting Act, legally these unverified & unauthorized items must be removed! 

I filed police report on behave of this matter & I also reached out to all creditors. 

1. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # ( XXXX ) XXXX 2.XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 3 . XX/XX/2023 XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 4. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 6. XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 8.XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, NC XXXX XXXX 9.XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one Quicksilver. Charges were added to a brand new card. I called told them I did not purchase game at. XXXX. XXXX. They cancelled card issued new one. The new one came and I saw statement and charges were never credited back. The new card was already charged again with same fraud site again. I honestly think its capital one. Way of fraudulently not fixing problem. Hurting consumer credit when I tried to cancel entire card. Never helpful. Dont see them adding payments I have sent them. There is something very wrong with this card and no help from customer service. They just want to lock card and continue adding member fees. Please investigate. No one should have to deal with fraud in this manner. Hurts credit XXXX score mess now. Horrible ordeal!
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MD)

On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. 
On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). 
The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. 
On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. 
As of this date, the Agency fail to show proof the debt is valid,
Consumer complaint received 2023-07-27
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. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I rented an apartment online while I was working out of town, I paid the first month and deposit, but when I went to pick up my keys for my new apt XXXX All XXXX broke lose, they put me in a different apt . unit, I had to wait 3 hours before they gave me another unit, and that unit was NOT move-in ready .... I contacted the office many times and took pictures and sent a letter to XXXX XXXX XXXX, The Corporate Office of the apartment, and the XXXX, the Corporate Office of the apartment never return my call or emails. after 4 weeks of complaining and nothing getting fix I moved out, and a emails was sent to the apt manager... Now looking at my credit report some company name PROCOLLECT , INC Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Is reporting this account on my credit report, without contacting me on the phone or email. 
Reporting without my knowledge.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

original account intercepted by identity theft. Police report of Identity theft reported to XXXX XXXX Sherriff 's Department. Report number # XXXX. Identity Theft reported to FTC.gov. I have tried for over XXXX years for the original credit amount to be corrected. I was no longer living at the address that was used to obtain credit debt.
Consumer complaint received 2023-07-27
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. (TX)

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 corrected from erroneous reporting in my file 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
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (AR)

From : Date : Tue, XX/XX/2020, XXXX XXXX  Subject : Wells Fargo Calling / PLEASE ADVISE To : XXXX Cc : XXXX XXXX XXXX XXXX XXXX Dear Ms. XXXX, I hope all is well with you during this time with the pandemic. I have reached out to you by phone and email. Just wanted to follow up with you about our next steps. 
1.On another note, yesterday I heard my mother having a conversation on phone thru the monitor we have set up in her room in which she stated she was not feeling well, she did have a bad night ( TCPA ). I got on the line & I believe his name was XXXX he was still talking about setting up a payment plan not knowing I was on the phone at that time. 
2.I shared with him that I was working on it and he wanted to know who with and how long because that was what he was doing ... .3.. He keep asking who i was working with & I didn't not respond to his question because I didn't want to maybe jeprodise/ compromise your help in working with us.

4.I asked for his last name and he responded that he was not going to give me his last name and ***I asked him to stop calling and harrassing My Mom for she has XXXX. Yes, it did not end very well. 

5.After some time of reflection, I thought this may have been the individual you have been communicating with when I was there, but ***also thought that we were trying to work on this and didn't expect to have someone calling about a payment plan***. I also now realized Mom was correct when she was telling me she was getting calls from Wells Fargo. 

Please advise as to next steps for we would like to move forward in seeing how we can deal with this line of credit. I also have included in this email the letter from Mom 's doctor. 

Again, I appreciate all of your assistance & await your response/ direction. Thank you!!! 
Image.tif Sincerely, -- -- -- -- -- Forwarded message -- -- -- -- - From : Date : Fri, XX/XX/2020, XXXX XXXX Subject : Fwd : To : XXXX Cc : Dear Ms. XXXX, please find the requested letter from Dr. XXXX in reference to . I am available to discuss, please contact me at your earliest convenience @ XXXX. Thank you so much for your assistance. 

Sincerely,
Consumer complaint received 2023-07-11
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. (NY)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was scammed out of {$500.00} by XXXX scam artists whom I thought were loan originators for a mortgage I was trying to get. They insisted I pay them a {$500.00} origination fee through PayPal so I did. I immediately knew I had just been ripped off so I contacted PayPal asking them to step in and help me. At first I was told there was nothing they could do. Then like a day later or so XXXX at PayPal told me that I was covered by PayPal 100 % fraud protection but it could take up to 10 days to get it back. I waited until I noticed the chat that XXXX said she was keeping open for us to communicate was closed. I contacted them again asking what was happening and some other agent is saying that the case has been closed and denied. They didn't even notify me at all! Now im currently arguing with someone that has no clue at all what this situation is but apparently thinks they know everything about everything and is telling me that my money is gone and these XXXX scammers are allowed to continue to do this to as many innocent victims as they want using PayPal payment platform without consequences! This cant be allowed! My money should be refunded to me immediately and the scammers should be investigated and stopped asap! PayPal is complicit in this fraudulent activity and they need to be stopped now!
Consumer complaint received 2023-07-03
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$5700.00}, XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, BALANCE {$470.00}, XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$8200.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$170.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$23000.00}, XXXX  ACCOUNT NUMBER:XXXX XXXX BALANCE {$500.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have 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 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX, XXXX made a purchase at Pottery Barn for {$1400.00} under a " 12 month interest free plan '' through my Pottery Barn Capital One Credit card with a promotional expiration date : XX/XX/XXXX XXXX, XXXX, XXXX made payments ( {$120.00} each ) to Pottery Barn Capital One Credit Card XX/XX/XXXX, XXXX a freud charge of {$2100.00} was made on my card. I immediately reported the charge to Capital One and Pottery Barn as it was for Pottery barn merchandise. 

XX/XX/XXXX, XXXX received a letter from Capital One indicating investigation was complete. They credited me for the amount that was charged in freud. 

XX/XX/XXXX, XXXX noticed on my newest Capital One Statement that I was charged interest ( {$22.00} ) on my promotional balance. Also noticed on this statement I was no longer under the Promotional Credit Plan. 

XX/XX/XXXX, XXXX Called Capital One, XXXX to report that I should still have the remaining balance under the promotional plan until XX/XX/XXXX. I was told by XXXX that on XX/XX/XXXX the promotional balance ended because Capital One provided me with a credit. I explained the credit was for the freud charges, not the amount I still owed. He said there was nothing he could do and that I would be charged interest on the remaining balance ( {$730.00} ). I asked to speak with a supervisor and spoke with XXXX. He offered to waive the interest for this month but couldn't explain why I was no longer on the promotional credit plan, as he verified with Pottery Barn the plan should be through XX/XX/XXXX. Once he waives the interest my true balance is {$700.00}, however because XXXX was unable to " reinstate '' the promotional plan, I will continue to be charged interest, or call back to Capital One every month to argue with them ( because it was an hour long argument to get this month 's interest waived ) to waive the interest that I am contractually obligated to have waived through XX/XX/XXXX.