davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (VA)

XXXX XXXX XXXX, XXXX : XXXX, XX/XX/XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (IN)

Corelogic openly admits, on their website they are operating in accordance with the FCRA XXXX XXXX XXXX XXXX DIRECT QUOTE : Credco discloses personal information only to companies that YOU have authorized to access your information or those companies that otherwise have a permissible purpose to access your information under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA 605A 15 U.S.C. 1681c-1, INDIANA Code 24-5-24, and S. 2155 The Economic Gro wth, Regulatory Relief, and Consumer Protection Act Corelogic
must put a security freeze on my consumer disclosure file and consumer report.

FCRA 605A 15 U.S.C. 1681c-1 after receiving a request to place a security freeze, the consumer reporting agency shall, place the security freeze not later than 3 business days after receiving the request. Confirmation and additional information will be sent no later than 5 business days after placing a security freeze Indiana Code Section 24-5-24 shall place a security freeze on the consumer 's consumer report not later than five ( 5 ) business days after receipt of the request. Not later than ten ( 10 ) business days written confirmation will be sent.

S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act Statute at Large 132 Stat. 1296 - Public Law No. 115-174 ( 05/24/2018 ) TITLE III -- PROTECTIONS CONSUMERS, AND HOMEOWNERS ( Sec. 301 ) requires a consumer reporting agency to provide a consumer with free credit freezes followed by a confirmation
Consumer complaint received 2024-09-30
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. (TX)

the bankruptcy should not have been the option due to an accident that i was recovering from. this was voluntarily discharged because it wasn't to be the option A bankruptcy dismissal means that your bankruptcy has been stopped before the court granted a discharge order.Finally, unlike a bankruptcy discharge which is considered a public record and will remain on your credit report for XXXX  years, a dismissed bankruptcy should not appear on your credit report at all if no discharge was entered.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX BANK DEBIT card cloned and was fraudulent used from XX/XX/XXXX XXXX XX/XX/XXXX. Total of XXXX $ was taken from checking account. Blocked card and reported the fraud on XX/XX/XXXX. Usaa would not help me get refund
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

When reviewing my credit reports from the bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (IL)

I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-29
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: Kikoff Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I opened my citi bank account on Tuesday XX/XX/2024 online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/2024 I enrolled in XXXX  and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX payment at around XXXX XXXX  that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX pm the same day I checked my account because I was going to XXXX  to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now XXXX cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/2024 and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I opened my citi bank account on Tuesday XX/XX/year> online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/year> I enrolled in XXXX and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX  payment at around XXXX XXXX that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX XXXX the same day I checked my account because I was going to XXXX  to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now I cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/year> and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

XX/XX/XXXX XXXX responded to my dispute stating all collection attempts would be halted until they gathered information. Service was stopped for another service. Only 1 service line to the property. I paid through the month though new service was started halfway. Through transcripts it was stated that only 1 service can be had through 1 line. Prior to this I setup to transfer at a later date and was told my service would not be canceled and it was immediately. That was rectified and explained 2 services could not exist. With this knowledge a new service was connected but they never canceled the old that was paid past service end. They continued to charge 2 services on 1 working service. No response from XXXX. XX/XX/XXXX I.C. Systems picked up the debt and put it on collections with no contact. XXXX was informed of the illegalalities of this and will not respond. I.C. Systems thinks it's a joke. It's only {$50.00} on exceptional credit but it's a false debt and they will not yield. XXXX was even provided documents to show how they were wrong XX/XX/XXXX. XX/XX/XXXX, when asked they stated they returned the debt to XXXX which was only explained once another company showed collections on my credit report. Previous email was all attempts would cease until information was provided as can be seen in the attached. No single person responded but was a different person with XXXX each time. I.C. Systems I am unable to dispute on my credit report. They will hang up on you and treat you like a joke. I will add more documents later as necessary.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

this rental debt does not belong to me as i was currently in XXXX XXXX around the time this debt was created. i do not rent apartments, i live with my parents.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has inaccurate information on my credit report. XXXX  acct. # XXXX shows the Number of months ( terms ) as Monthly. Equifax also has this account listed inaccurately ; with the terms listed as XXXX ( due every XXXX weeks ). Please delete this inaccurate account. XXXX has XXXXXXXX acct. # XXXX showing payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a 1099 for this account. Delete this account. XXXX has XXXX XXXX XXXX  XXXX account XXXX XXXX date of last activity as XX/XX/XXXX. Equifax has this same account 's date of last activity as XX/XX/XXXX ; this account is reporting inaccurately, delete this account. XXXX has XXXX XXXX  XXXX account # XXXX  showing date of last activity as XX/XX/XXXX and payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a XXXX for this account. Delete this account. XXXX XXXX  account # XXXX shows a different date of last activity for XXXX - XX/XX/XXXX, for XXXX - XX/XX/XXXX, and for Equifax - XX/XX/XXXX. Delete this inaccurate account. XXXX, XXXX, and Equifax all show inaccurate payment history on XXXX XXXX XXXX account # XXXX, according to U.S. Code 1666b ( a ) ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please update this account to pays as agreed, never late. 
Delete the following credit inquires as there is no account attached to them, credit was not extended due to adverse action, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc (NE)

Ever time I try to use my card ever transaction is declined and I was told by PayPal that due to me closing a card down due to the fact it was lost or stolen that someone is trying to use that card that has caused me not able to use my new card???? This dont make since I need to use my card to pay bills and use at a store which is being denied and PayPal has done nothing to fix this issue at all.
Consumer complaint received 2024-09-30
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. (NY)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX years. 15 U.S.C 1681 s-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 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (OH)

I was updated today that someone took a loan thats {$700.00} and something dollar under my identity on XX/XX/year> at a payday loan located in XXXX Ohio I dont know about and I would love to get this resolved and justified.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

I was a victim of identity theft and the collection company XXXX account was found to be fraudulent and found me not liable for balance ( XXXX ) the company still placed a account on my credit and refuse to remove the account I dont know this company nor have I ever provided them with my social security number and allowed them access to my credit.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS XXXX OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT XXXX HANDLE BY CAPITOL ONES SOLUTOIN TEAM THIS IS BECOME A PROBLEM WICH CFPD SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX J ND ND F ND CO M CO ND A CO ND XXXX XXXX CO ND ND XXXX ND ND J ND CO XXXX A ND CO XXXX XXXX CO ND XXXX XXXX CO CO XXXX CO CO XXXX CO ND Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.