davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I have been trying to reach out to this company with several months in regards to this alleged debt.

They have failed to provide sufficient evidence that supports the amounts owe in accordance with the lease agreement and their right to collect this debt through a written contract between me and said company, violating my rights to privacy and impairing my ability to take part in credit-based transactions I have asked for the prompt removal of this information from my consumer Please see attached for most recent correspondence in which they have not responded to in a timely manner
Consumer complaint received 2024-05-25
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. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. XXXX XXXX XXXX XXXXXXXX "
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checkings account due to a promotion going on which offered {$300.00} bonus if you had two direct deposits with the total of {$1500.00}. Promotion indicated it would take 30 days to receive bonus upon qualifications which I had then confirmed with several reps to be sure. After numerous attempts to confirming my deposits qualified I did not get the bonus. I spoke to several reps and two reps confirmed I would qualify based on the promotion that was running. After not seeing the bonus I ended up withdrawing my {$1500.00}. Bank reps gave me the run around and kept giving me different information. I made sure I followed all the criteria to qualify for the bonus which was doing two separate deposits of {$750.00} twice with the total of {$1500.00}. Proof of funds are shown in image attached.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XXXX, XXXX. While going through my monthly bank statement, I discovered a withdrawal of {$6000.00} from my account on the XXXX of XXXX, and I immediately called the bank to inquire about the said amount, they claimed not to see any withdrawal of such amount in my account. Then I walked into XXXX XXXX branch of the bank to make a complaint, and I spoke with one of the managers named XXXX XXXX. And he gave me the number to claim department to put in my request which I did. They told me to go get a police report which I did, and also gave them a copy and the claim department told me to wait to hear from them, but they never get back to me.
Consumer complaint received 2024-05-25
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)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-25
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. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-06
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: Bread Financial Holdings, Inc. (NC)

I have tried to contact XXXX XXXX XXXX for months by mail no response, there is no available phone numbers. I would like to know how can Credit bureaus FURNISHER investigate reports ACCURACY if the company does not have available phone numbers doesn't respond by mail.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I am being unjustly denied access to my funds/account along side others. 

In XXXX XXXX I logged on to my Citibank online account and my checking account was completely gone I couldnt see any transactions or anything that had to do with my checking account. When I called they told me they could y verify me because I wasnt calling with a verified phone number. I called Citi multiple times from the same number I opened the account with. It is now XXXX XXXX and I have no idea whats going on or why my account has been blocked. 

They wont tell me anything unless they verify me, and only way is through a one time text message but the number I give them does not work and they said its not verified but its the same number I opened the account with. I havent been able to pay my rent or bills and have been passed due on everything.
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX and XX/XX/XXXX I submitted both identity theft and a list of false debt to the credit bureaus with a copy of my social security number and ID with proof of address. On XX/XX/XXXX, an intent to sue was sent via certified mail to the bureaus. I will send one last letter before proceeding forward. 

The amounts are {$4100.00} with XXXX XXXXXXXX, {$4900.00} with Wells Fargo, and {$180.00} with XXXX.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In accordance with the fair credit XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (GA)

I 'chatted ' with someone from XXXX because i could not get them to answer the phone.. they gave me an email address to send my cancellartion to ( which I have in writing from XXXX XXXX ) they continue to call me, email and harrass me and now have sent to collecrtions.. I should sue them this is harrasssement, they refused to accept my letter of cancel nor communmicate with me..I operated 100 % on fair grounds and was paid in full when i in fact cancelled.. My provider got purchased by XXXX and i had alway had bad experience with them as co. that is why i switched to XXXX years ago. Please fix this .. i will hire a lawyer as this is causing me strress and humiliation.
Consumer complaint received 2024-05-25
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/2020 ) I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

ACCOUNT NUMBERXXXX
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (OH)

On or around XX/XX/23 I was reviewing my Experian credit report I noticed that there was a some Inquiries plus a few extras that wasn't there before, that I made a attempt to dispute months earlier. After calling and requesting for the Inquiries to be removed I took it for face value that Experian would do the right thing. But as we all know now Experian has is still continuing to practice deceptive and misleading practices. Experian made me believe that any and all unknown, non written correspondence, or court ordered Inquiries that wasn't connected to any open accounts would be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Several accounts reporting as " Charge Off '' Per IRS Publication 4681 " Charge Off '' are deemed as COD " Certificate of Debt '' and is considered as income. IT IS A VIOLATION TO REPORT A CONSUMERS INCOME.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC (AR)

The company claimed to be Recovery One on behalf of XXXX XXXX XXXX. They said their phone number was XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never owed this debt and it was paid by myself and my insurance at service. I have talked to both corporate and local to ensure nothing is owed.
Consumer complaint received 2023-11-19
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: JPMORGAN CHASE & CO. (SC)

Today, XXXX XX/XX/2023, I received multiple credit alerts that JP Morgan Chase made a " hard inquiry '' on my XXXX credit report. This is the second fraudulent " hard inquiry '' from JPMCB in less than a month. 

I called JP Morgan Chase Bank. JPMCB was unable to help me. 

I attempted to file a dispute with XXXX. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the fraud.
Consumer complaint received 2024-05-25
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. (TN)

I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt bondage.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (MO)

I don't recall having a contractual relationship with this collection company ALL DEBT SOLUTIONS INC. 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.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

At First It Said Account Open In XXXX Of XXXX Now It Is Say XXXX Of XXXX The Account Isn't Mines At First It Was A Whole Other Last Name And Phone Number And Address They Said They Was Gon na Remove It Credit Bureau And The Company Ask For My Address I Gave It To Them Now They Saying They Can't Remove It
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: January Technologies, Inc (NC)

January collection company contacted me about a Debt with a company called XXXX, i've requested a copuy of the original contract, wet ink signature of the original creditor or company, and the Agreement with the last date of payment on the account. 

January debt collection company has sent me an email to my business email, and called my personal number outside of working Hours. 

i do not owe this debt the company ( XXXX ) did not render the service that was agreed upon therefore i am requesting the Company ( January ) to Cease and Desist any collection efforts as this is NOT a verified debt. Remove the debt from my personal credit and removed my information form their data base.
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CT)

Jefferson Capital has attached a debit in the amount of {$2800.00} from a " supposed '' XXXX XXXX Account that I have never had. I CURRENTLY have a XXXX XXXX account, that is paid in full monthly. XXXX would have NEVER allowed me to obtain a New Account, in addition to financing 2 Brand New XXXX ( totaling over {$3000.00} ) if I owed them {$2800.00}. They would have either denied my account request or they would have required me to pay the {$2800.00} back before allowing the creation of my new account. This debit is NOT mine and it is effecting my credit score and report. They have clearly attached this debt to my credit report fraudulently. I may have been an " authorized user '' on a XXXX account about 10 years ago, but never supplied my social security number, nor did I give them any authority to bill me for any outstanding balances. I want to see proof of signed paperwork showing that this was my account. I assure you, they will not be able to provide this. I have submitted disputes to XXXX, XXXX and XXXX as well. Seems that XXXX XXXX is stating that this account " meets FCRA Requirements, however there is no way that is possible. Did XXXX request the original documents with MY Signature on them. Proving that this account is mine, because I have requested those and NEVER received them. This whole issue is effecting my credit immensely and I NEED it removed.