davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (OK)

On XX/XX/year>, my credit card was charged XXXX ( {$50.00}, {$200.00}, {$200.00}, {$310.00} ) different times at XXXX different XXXX in the state of XXXX I live in the XXXX and have not been to a XXXX. I have reached out to XXXX Credit Card 5 times for information on the charges and to dispute them. Their words are they have no idea about the charges but they are on my statement and XXXX is wanting payment. I have been transferred multiple times and I believe that was done so I would stop calling the company. The phone number I used for XXXX ( service marks used by Celtic bank ) /Continental Finance Company XXXX credit card service company XXXX is XXXX.
Consumer complaint received 2023-03-15
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-14
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: U.S. BANCORP (MA)

On XX/XX/XXXX and XX/XX/XXXX there were XXXX hard inquiries made on my credit. They were from US Bank, XXXX XXXX, XXXX from XXXX  XXXX XXXX and XXXX from XXXX  XXXX. None of these were initiated by me. I am reporting fraud on my account and have put a fraud alert on my credit.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (WA)

Hi called XXXX ( US Bank representative ) on XX/XX/year> and asked to close my Safe Debit Checking account. XXXX danced around being able to do so, asking " how much time I had '' and stating he would have to do a lot of work on the " back end '' to make it happen. I told him I would wait. He stated he would close it but would not provide me any confirmation number or assurances it had been closed.
Consumer complaint received 2023-12-27
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-26
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 said this before. Equifax has to be the XXXX credit reporting agency there is. Equifax continues to report the Fraudulent Account, XXXX XXXX XXXX ending i XXXX, on my Equifax Profile despite XXXX XXXX XXXX sending a `` flag '' to remove XXXX XXXX XXXX from my Equifax profile on XX/XX/2023. To Date, according to XXXX at XXXX XXXX XXXX XXXX Fraud Department the flag to remove the account from my Equifax profile has been sent to Equifax 5 times as of today, XX/XX/2023. In addition, Equifax had confirmed they received the FTC Identity Theft Affidavit concerning the Fraudulent Account of XXXX XXXX XXXX ending in XXXX on XX/XX/2023 an the letter I sent to Equifax from XXXX XXXX XXXX removing the Fraudulent Account ending in XXXX from all 3 Credit Bureaus. Again, 5 times? Thest people are XXXX! That or XXXX. I want this account removed IMMEDIATELY!!!!! Or I will take legal action against Equifax not only to have it removed but also for damages.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (IL)

on XX/XX/2024 I sent an initial letter to Volkswagen Credit requesting original contract/ debt verification. I didn't receive a response. since I have yet to receive a response in the required time I sent another letter asking the account to be removed from my report.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

My name is XXXX XXXX so you can help me solve what my credit is affecting me, it says that I had non-payment for 60 days which is not correct because I continued making my payments and after XXXX XXXX XXXX XXXX and my car was a total loss and the I'm sure he paid it quickly. So please, I thank you for eliminating that account that affects my credit. Thank you very much
Consumer complaint received 2023-12-26
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. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I noticed I have 4 late payments being reported by XXXX  XXXX XXXX. I notice the late payment was reported in XXXX, XXXX, XXXX and XXXX of 2020. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during COVID 19, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (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 

I had a XXXX vehicle in an accident and it was a total loss, but my credit report shows about XXXX months of payment which is not true because the insurance company paid, paid quickly, so I would like you to please cancel those non-payments that affect me my my credit since the account is currently off I would appreciate your help.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I deposit a check on counter from my family XXXX XXXX XXXX  with writing deposit account number on the back of the check to Wells Fargo account .she refuse to deposit it than said go to ATM which I did after XXXX  days rather than send it for collections they send the copy of the to me and call the owner of the XXXX XXXX  Why it was not deposit to Wells Fargo act and send it for collection? and XXXX  me asking " do you know what is the meaning of endorse ''? 
I like to know what was wrong with my family check was refused and if so why well Fargo did not return the check to depositor? 
In between lot of phone communication Wells Fargo management disrespectful and disregard XXXX Thank you XXXX
Consumer complaint received 2024-05-14
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc. (FL)

I have used square to receive payments of my merchandise for a couple of my clients overseas, and they deactivated my account and holding the funds for XXXX  days and refuse to tell me the reason, and I ship the merchandise to the clients and they received everything and still didnt get paid they are holding my funds for no reason
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (FL)

The problem Im having on my credit report some debt has been posted twice for some companies Ive tried to dispute it through the consumer but no luck some debt has been closed and charged off by the creditor but Im still receiving calls from collection agents and emails threatened to be sued and taken to jail Ive emailed an asked to be taken off the call list but Im still getting repeated calls and emails just trying to figure out what is it that I need to do XXXX  amount {$120.00} I do not owe but its on my report Ive tried to dispute it was deleted then put back on my report XXXX the amount {$290.00} have no idea whos the creditor XX/XX/year> amount XXXX has already be charged of but Im still going calls
Consumer complaint received 2023-10-11
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$300.00}.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IA)

I changed my address to my online citibank checking account than XXXX days later I deposited my state refund check the next day XX/XX/year> it was frozen was sent to a security center all of a sudden my phone number couldn't be verified although it was when I opened the account said had to wait for a letter with a code sent in XXXX in XXXX I called again said no letter came in old or new address so they sent another I've been calling everyday nobody can help account was locked cause I changed my address that doesn't make sense I called everyday it always ended the same me in tears it's now middle of XXXX and they still won't unlock my account I tried to close the account and was told I was denied there is no branch near me the closest is XXXX miles they only say they can send another letter but I never received the first XXXX I just want my money and to close this account they won't help me they resorted to hanging up on me I need help they check is in me and my husband 's name was in process of adding him when they locked it they shouldn't of even deposited it
Consumer complaint received 2024-04-14
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. (CO)

Subject : Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from such unauthorized dissemination of personal financial information. 
Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked Equifax to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is Equifax job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2023-12-24
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)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-12-24
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. (TX)

Hard inquiries not authorize from Equifax. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A second hard inquiry occur without my authorization from XXXX BANK XXXX XXXX credit report. 

XXXX BANK pulled a second hard inquiry on XX/XX/XXXX. I open a business account on XX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my XXXX. I have contacted several times to XXXX BANK to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

: XXXX Request for Opt-Out and Deletion of XXXX XXXX. PER 15 U.S 6802 ( A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated XXXX  party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer ) I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. My XXXX XXXX has been detrimentally affected by such information that qualifies as non-public personal information under XXXX CFR XXXX, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process. For this issue I would like compensation, as this violates Fair Credit Reporting Act