davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The credit reporting agency has violated my consumer rights and violated federal law ; there's proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I clearly did not give the credit reporting agency written authorization or written instructions to report this information. The agency is conspiring with creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (NJ)

Dear Axos Bank, I opened Axos Checking and Savings accounts via the promo page https : //www.axosbank.com/pages/freedom on XX/XX/XXXX, using the promo code XXXX. The promo promised a {$300.00} bonus under the following conditions : - Open the accounts by XX/XX/XXXX with the promo code XXXX. 
- Fund the accounts within 30 days of opening. 
- Ensure direct deposits totaling at least {$1000.00} per calendar month, with a {$100.00} bonus credited after each qualifying month, up to three months in the first four months.

See also the attached screenshot for detailed terms. 

The accounts were funded on XX/XX/XXXX, and the promo code was successfully applied ( customer service confirmed that- as per the attached screenshots ). 
My direct deposits ( paychecks from my employer ) were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each of {$1000.00}, totaling {$2000.00} for each calendar month in the XXXX, XXXX, and XXXX months after account opening. 
Despite meeting the promotion requirements, I have not received any bonus. 

When I contacted customer service, I received conflicting responses : - I was told that the direct deposit funds needed to remain in the account for a full calendar month to qualify, which was not a requirement in the terms ( see attached screenshot ). 
- Another response claimed I wasnt eligible due to the one-checking-promotion-per-year rule, but I have never held a checking account with Axos before.

- Lastly, I was told my direct deposits were not legitimate, which I disproved by providing paystubs and also showing that the Axos interface properly categorized them as Deposits > Paychecks/Salary ( see attached screenshot ). 

I escalated the issue, and XXXX # XXXX was created, but no resolution or feedback was provided. 

I kindly request a thorough investigation into this matter and the deposit of the {$300.00} bonus as per the promotion terms.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (NY)

There is no method to request a XXXX payoff letter online. I called to request one and the agent said there was no way to request this letter. These letters are commonly requested and provided by financial institutions as they allow a seamless payoff experience. I am refinancing this personal loan into a HELOC at a local credit union for a much lower rate. I requested to speak to a supervisor who identified herself at XXXX - Account Manager. She also stated there was no way to provide the information and that there systems can not generate a letter. She did provide verbal information that was estimated. The credit union is rightfully going to want information in writing. The supervisor refused to send an email or write on company letterhead to provide this information.
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: Fidelity National Information Services, Inc. (FNIS) (AL)

On XX/XX/year> I requested a consumer report and ask for deletion of all derogatory incorrect accounts in my name that is not correct. Also I am requested to update my personal information. In accordance with The Fair Credit Reporting act the list of accounts below are violating my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 my rights have been violated.

15 USC 1681 section 602a. I have a right to privacy.

15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681-C- A -5 Section States no consumer reporting agency may make any consumer reporting 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 7 years.

15 USC 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 any reasonable doubt causes to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC. (NY)

Optum Temporary Funding Assistance discriminated against me for a medical condition that did not affect my ability to repay the loan and engaged engaged in a company wide coordinated effort to cover up their actions with lies and further discrimination against me. I have it on good authority that they may have engage in these discriminatory actions against me based on a false tip from one of my direct competitors. Optum Temporary Funding Assistance had violated every single one of my consumer and contractual rights and had demonstrated a blatant disregard for the law even verbally stating to me that they will not honor nor follow these laws. At this Juncture of time they have not responded to any of my affidavits as required by law including FOIA request, request for all the factors concidered againt me in the denial, request for payments of contracts fulfilled. 
All Rights Reserved UCC 1-308
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, This account is XXXX as open and closed and late and written off, inaccurate information. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$600.00}. This is inaccurate and false information that should not be reported. 

This account has been written off and charged off by XXXX Bank XXXX XXXX XXXX XXXX I don't owe XXXX/LVNV, I have no contract and no signature written nor verbal with this company, yet they are reporting on my credit file as if I owe them.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (AL)

My account was closed without any communication as stated. This account is used because I am the team mom for football team that travels. We did a XXXX to cover kids registration fees and we utilize this account to purchase their food and snacks each week for game. No gambling has taking place. We have been wrongly accused and these allegations are strong. I would like our account reopen or I will pursue legal actions due to unfair practice.
Consumer complaint received 2024-09-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XX/XX/year> I was made aware that Kohls credit card that I had was switching to Captial one bank. When notified of this I immediately, called kohls and had my account closed my account down. 
They then sent me a letter, which takes ten business days or so, which the letter is dated XX/XX/year> that my account has been closed. 
The reason I closed this account, is because I do not do business with capital one due to, not being able to resolve issues and also, charging for annual fee 's, to customers with wonderful credit scores. Years ago I closed all my accounts with them and never did any business with them again. 
I started receiving, emails from them, one after another, telling me they would be taking over my account, which I no longer had with kohls. So, I contacted capital one and advised them account was closed, and I had this letter with proof I longer had an account. They did not want a copy, no one could understand what I wanted, they could not give me a corp. phone number. Same issue of why I left them before. 
Now XXXXXXXX XXXX XXXX, Capital one took it upon themselves to send out a credit card to me, for an account that I longer had open. I am not activating this account, nor do I know who to communicate with anymore, because if you call them, they want card number and informaton, for a card that I was not supose to have in the first place. 
I am asking for your assistance, this company should never have shipped a closed account credit card to me in the first place.
Consumer complaint received 2024-06-28
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-28
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. (WI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (IL)

I'm a victim of identify theft. Accounts XXXX XXXX XXXX, XXXX XXXX/ XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX/ XXXX, XXXX  XXXX XXXX, XXXX. These accounts have been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when Experian got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet Experian says that they can't provide the information as they don't have to but also can't remove.
Consumer complaint received 2024-06-28
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. (CA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also the so called debton each report are different and inaccurate This is grounds for removal, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # Equifax XXXX XXXX XXXX XXXX XXXX I also sent out more more disputes again for investigation and was responded with stall emails from XXXX and no response from other bureaus, here are those tracking # XXXX XXXX Equifax : XXXX
Consumer complaint received 2024-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items 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 that Credit Bureaus are responsible for their 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

Collection agency called Harvard Collections is on my credit report they claim I owe XXXX dollars for overpayment of cash assistance with the Illinois department of human service, the name they gave is not the legal name I use the last name the have is not my last name and the address they provided is an address I have not lived at in over 30 years. I have not lived in Illinois in over 30 years and I have NEVER collected any cash assistance from the state of Illinois .I contacted Harvard Collection and spoke to a so called manager XXXXXXXX XXXX she gave me a number to IDHS collections department XXXX and upon investigation I found out that the number was not to the Real IDHS collections XXXX I called the number and they could not verify any of the information they had no knowledge of ant debt owed by the name or account number Harvard Collection had provided with them placing that on my credit report is fraudulent and needs to be removed immediately
Consumer complaint received 2024-06-28
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX  XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX2023 XXXX  XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX/2023XX/XX/year> XXXX XXXX XXXX/XXXX/2023 XXXX  XXXX XXXX/2023XX/XX/year>
Consumer complaint received 2024-06-28
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. (NY)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2024-06-28
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.