davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, Equifax, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to Equifax as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Consumer complaint received 2023-08-06
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-21
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. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all the negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB.
Consumer complaint received 2023-11-21
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 am writing to file a formal complaint against XXXX, XXXX, and EQUIFAX regarding their failure to remove fraudulent accounts from my credit report despite providing substantial evidence proving that these accounts do not belong to me. I request your assistance in resolving this matter and rectifying the inaccuracies on my credit report. 

I have repeatedly contacted the credit bureaus, providing them with documentation including police reports, identity theft affidavits, and correspondence with the fraudulent creditor, proving that these accounts were opened fraudulently and are not associated with me. Despite my efforts, the incorrect information remains on my credit report, negatively impacting my creditworthiness and financial stability.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America is denying my use of credit for internet purchases. My  credit score  is   XXXX .  On   XX/XX/XXXX  B  ank of America called and told me a fraudulent overseas purchase was made. Reference  XXXX  for   {$75.00}. My account was credited. I then discovered another fraudulent charge on    XX/XX/XXXX    reference  XXXX  for {$11.00} for  XXXX . I never used  XXXX . My account was credited. Since    XX/XX/XXXX , I    have been unable to make internet purchases. M y   XXXX   XXXX   was cance lled and my internet was almost cancelled. I called Bank of America  10 times and was told falsely that it was the merchant and not Bank of America. I was issue  d 4 new c redit cards because Bank of America could not competently resolve the issue. I then received a letter o n  XX/XX/XXXX  fro m  XXXX   XXXX  phone number  XXXX  ext.  XXXX  and she admitted that Bank of America was denying me credit. " Due to an inadvertent error, instead of the stop pay only being submitted for the  XXXX  merchant, it was submitted for the majority of internet merchants. Therefore, Bank of America never received these authorizations fro m   XXXX   to app rove them. '' On    XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX   ,  XXXX  refused and denied my internet purchase.  XXXX   XXXX  from Bank of America refuses to respond to me.
Consumer complaint received 2023-06-26
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. (AL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2023-08-06
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. (PA)

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 XXXXXXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-21
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. (TX)

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 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (MO)

I filed an insurance claim in XXXX. I received the claim check in XXXX. I endorsed the check from XXXX XXXX and sent it to XXXX XXXX. In that time XXXX XXXX sold my loan to Chase Lending. I sent in the endorsed check XX/XX/XXXX. The loan transferred XXXX. I specifically asked if it would be an issue to receive the check back from them since they were selling the loan. They said no. After XXXX business days passed after XXXX XXXX  received my check I called to check on the status of the check because we needed to replace the roof from hail damage. XXXX indicated that they now have nothing to do with me since Chase took over the loan. I called Chase Lending. They told me it was XXXX XXXX 's problem. Caught in the middle I made many phone calls night after night trying to get to the bottom of the situation. After weeks of phone calls Chase and XXXX XXXX  got on the phone together with me. XXXX told Chase that the check was sent to them the week before. Then a week later, after it had not yet been received I called both of them back again. Finally XXXX XXXX  provided a wire transfer number that occurred XX/XX/XXXX. I gave this information to Chase. Chase researched this and told me they had no such record of the transfer. Here we are XX/XX/XXXX and I still have no resolution. The roofer installed the roof and completed the work XX/XX/XXXX. He is requesting payment and I still have no check back from either of the mortgage companies. Everytime I call I get the same answer, that they are working on it. I do not know what to do. I feel like they essentially stole the money and are refusing to accept responsibility for the misplacement or loss. Please help me. It is a lot of money and I can not continue my insurance claim until the check is received and the home requires more repairs.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (MI)

Company XXXX XXXX XXXX keeps 'war dialing ' me from XXXX. I have submitted dozens of violation reports to the FTC 's 'Do Not Call ' list but still this company keeps calling me. I have never done business with them. I do not want to do business with them. I have no outstanding debt. They call multiple times a day at all hours of the day and night. Please help!!
Consumer complaint received 2018-12-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Opened a Capital one 360 money market account on XX/XX/2018 with special offer code " XXXX ''. Offer terms when opening the account explicitly state if the account " is funded with at least {$50000.00} no later than XX/XX/2018 '' then a {$500.00} bonus will be deposited to the account. 

I made the following deposits XX/XX/2018 {$10000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$12000.00} Capital one is refusing to give the bonus because they claim the money " had to be made in a single deposit '' and " must be left in the account the entire time. '' No where in the terms of the offer are these conditions written. Furthermore, Capital One could not provide any proof of these terms nor could they provide any copies of where these terms were written. However, they refuse to send the bonus. 

I have attached screen shots showing the offer terms, with my account number. Capital One refuses to pay the bonus based on me satisfying the requirements written during the online account creation process.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TN)

I settled XXXX accounts with Affirm in XX/XX/2024. XXXX was with an agency called XXXX. The other was with an agency called XXXX XXXX. Both of the accounts now show a {$0.00} balance with Affirm. However, Affirm is still reporting these accounts as in collections with balances of {$120.00} and {$120.00}. The correct reporting should be PAID/SETTLED or something similar and the balanced reported should be {$0.00}. I have contacted Affirm about this at least twice. Their agents are so arrogantly wrong ( XXXX XXXX on chat and XXXX on a call. ) They keep reiterating the same rebuttal. ( " We can not remove delinquencies, etc. ) I *am not* requesting changes to previous reporting. I am asking for an update to the *current status* of these XXXX accounts.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (SC)

West lake purchase the debt from US Auto after I wrote US auto and ask to recsind the contract, they stated that they did not resind contracts, US Auto sold me a fradulant contract, then went out of business, West lake have not provided me with the full contract or my wet signature.They stole my vehichle breeched my pprivacy and has gotten me denied credit because of the latepayments on my credit score, defermation of character, I plan to seek legal actions, The disturbs the peace in my neighborhood by sending a tow truck, They will not give me back my personal beloninings in the car. I disputed the amount owed and they have not marked it on my credit report that it has been disputed and I have proof that I disputed this information and its not marked on my credit report, I'm requesting 1,000 for all my damages that they have caused me .They also have not notified me or sent any warnings about late payments or car been repo, They have threaten me, called me on my job and harrassed me.
Consumer complaint received 2018-12-15
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. (MO)

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX,XX/XX/XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (LA)

In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Vance & Huffman LLC Account Number. : XXXX {$3200.00}
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my account records. I understand the importance of maintaining a positive credit history, and I would like to address the recent late payments that occurred on my account. I kindly request your understanding and consideration in removing the late payments from my account history. I am committed to maintaining a timely payment schedule in the future and ensuring that such delays do not occur again. XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX  customer service representative I understand that the company has policies regarding late payments, and I sincerely appreciate your time and attention to this matter. If there is any documentation or information required to support this request, please let me know, and I will provide it promptly.
Consumer complaint received 2023-02-16
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. (TX)

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Financial Systems, Inc. (MS)

Southern Financial System, a collection agency that is handling my account. 
The events in question are outlined below : Timeline of Events : - XX/XX/XXXX  : I received a summons to appear in court. This was the first and only attempt made by Southern Financial System to collect on my account.

XXXX XXXX, XXXX   : I learned that Southern Financial System received my account in XX/XX/, and it was held for six months without any attempts to collect. 

Violations and Concerns : 3. Fair Debt Collection Practices Act ( FDCPA ) Violation : The initial communication I received was a summons to appear in court, a direct violation of the FDCPA. 

4. Hospital 's Collection Procedure Violation : Southern Financial System 's actions also contravene the hospital 's collection procedure, which says attempts to collect in full or set up payment arrangements on the account. I was never given an opportunity to set up a payment arrangement. 

5. Lack of Collaborative Approach : It is evident that the primary focus of Southern Financial System appears to be pursuing legal judgments rather than working collaboratively with patients to resolve accounts. 

XXXX. Unprofessional Conduct of XXXX ( XXXX ) : During my attempts to address these issues with XXXX, the owner, I encountered extreme rudeness and unprofessional behavior. She refused to provide a copy of the collection policy when requested, declined to answer questions, hung up on me twice, and took over calls when others attempted to convey information about their attempts to collect on my account. Her response was dismissive, stating, " It does not matter because you owe it. ''.
Consumer complaint received 2023-11-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I owe apparently to care now but I never received a physical mail paper with any account number to where I could pay that amount online. so I attempted to call the collection company which the company is called Eastern account and they were not helpful they would not give me an account number and Ive been trying to pay this off for a while but its just been a struggle and I dont have any physical mail to prove that actually owe anything. I know that I did call care now and they told me I owe money to them but they would not let me pay through them I had to go through the collections company but I dont have an account number to prove that I owe money so Im not really sure how to pay this.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On Friday XX/XX/XXXX someone on social media offered to send me XXXX weekly and i would send XXXX to another person via another banking app, they sent me an email of a check and i did mobile deposit, at the time only a certain amount went into my account so they told me to just send that. Everything seemed fine and then a couple days later we did it again but right after i completed the mobile deposit my friend brought up the idea that it could somehow be a scam and i didnt think it would be because i was receiving money but i didnt send anything and called my bank ( wells fargo XXXX to try and cancel it from going all the way through and explaining how it could be a scam. The lady told me it was fine and i could just cancel it once it goes through, that was not the case whatsoever, wells fargo closed my accound and left me with an overdraft fee of {$400.00} which i ended up going in person to the bank and trying to fix all of this but they made me pay the {$400.00} And now i cant open a checking account with other banks and i just turned XXXX i need a checking account and to have good credit how do i dispute this.