davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (CA)

I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. 

I have added initial fraud alerts to my consumer reports. 

I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''.

However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. 

As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. 

This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. 

If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. 

At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. 

The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-07
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)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt XXXX U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!
Consumer complaint received 2021-05-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION ()

Yesterday XXXX XX/XX/XXXX Friday I placed an online order with XXXX XXXX XXXX For a purchase of a new XXXX. The credit card was rejected. I normally receive an email that says we have suspected suspicious activity on your credit card is this really you using the card? followed by the option to say yes or no. But this time I received an email telling me they have monitored suspicious activity please cal an XXXX toll free number. This time there was no option asking me if this was you please say yes or no. When I called the number I heard a recording that no one is here right now please call back another time. That was weird. Usually theres someone there 24 hours. 
The next day today that is Saturday XX/XX/XXXX I called the credit card company and I explained the problem. The person got in to my account and read the purchases and I concurred yes those are all my purchases. The person than said I have to connect you with the fraud department to re set or reuse your credit card. I was connected and repeated the process again only this time the person said my account didnt exist. I gave her card number, social security number my name 3 different times am doing still the person said I cant find your account. She eventually and rudely hung up on me. I have had this card since XXXX and I still cant believe the person cut me off and hung up on me but there it Is. And that I said my compliant in a nut shell
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (IA)

There was a collection account that was added to my credit report for a item that was included in a chapter XXXX bankruptcy, that should now be on my account and after I disputed it it still shows that it is accurate. the bankruptcy was filed in XXXX of XXXX an discharged in XXXX of XXXX and the original debt that they are putting on my credit record is from XXXX which was well before the bankruptcy
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased a XXXX XXXX XXXX from XXXX XXXX, in XXXX XXXX, California, in XXXX of XXXX. I turned in the car early on the lease to XXXX XXXX XXXX in XXXX, California and leased a new XXXX XXXX. I was told by XXXX XXXX XXXX sales staff that my XXXX account with Hyundai Finance would be closed with the new lease. 

It was not and my credit and my mothers credit has been ruined. XXXX XXXX XXXX was desperate to make this sale and lied to me accordingly. 

I called Hyundai Finance on XX/XX/XXXX to try and resolve this. I spoke to XXXX, XXXX, XXXX, and XXXX XXXX. No one was willing to help me. 

I filed disputes with the XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX  denied my dispute. 

It is so wrong that my credit has been destroyed because of a misunderstanding or misrepresentation over {$160.00}. Please help me CFPB. 

As for the public, do not trust XXXX XXXX XXXX.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have an account with Coinbase and decided to wire funds to my account in order to purchase cryptocurrency. 
They provided me with paying in details to a GBP wallet which I used to wire XXXX GBP to the wallet on XX/XX/2020. It is mow XX/XX/XXXX. 

So far nothing has been deposited into my account. I have reached out to Coinbase support through the site, which offers no opportunity to speak to anyone. I received an acknowledgement from them and one single follow up email saying they are investigating. But subsequent chaser emails by me have been met with silence. It is now a month since the funds were sent and there is no sign of my missing funds. I have confirmed that the wire was accurately sent using the exact details Coinbase gave and I have also noted from searches online that this sadly seems to be a common problem with Coinbase.

I have attached the details for paying in money to my account that Coinbase provided me and the details of the transfer I made that did not arrive
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I purchased this car XXXX XXXX I did the car until XXXX XXXX  The car dealer ship said it was back order on parts due the pandemic. They gave 3 different loaners. I only had the car for a day I too it to XXXX for them to check my oil and new tires. The car transmission locked up at XXXX at that point the car was towed to a XXXX XXXX XXXX I did this on my own. They said the transmission was locked up and that it will cost more than the car was worth meaning this car was a lemon from the very beginning I voluntarily gave the car back to the lender on XXXX XXXX I have never been late nor have I had the car for the length of time they are stating this is all fraudulent and I expressed this to Transunion for over a year now they say they have investigated, but this is something I truly dont believe that they have.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have paid the rent online on XX/XX/XXXX for our apartment rent with the new account info because the old account have been suspended because of fraud hoard. So I updated the new account on XXXX and someway it went back to the old one last 4 account number is XXXX and have update to new acct last 4 number is XXXX. It went back to the old account and my landlord emailed me with NSF payment on XX/XX/XXXX. That is where Bank of America decided to close our account and not do any business with us anymore which I was gon na fix it myself but they closed it before we get it resolved. So my bank is Bank of America. So they technically closed the account with remaining balance of {$1300.00} which I am attempting to get it back so I can get rent caught up.
Consumer complaint received 2023-10-22
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: AFNI INC. (VA)

XXXX XXXX cancelled on XX/XX/XXXX. XXXX continues to try to collect a full monthly payment of {$120.00} for period XX/XX/XXXX through XX/XX/XXXX. XXXX has sent this to a debt collector. XXXX has continued to mail billing statements, send text messages, and call. I have sent a detailed letter to the debt collector with a check in the amount of {$20.00} to pay XXXX for service from XX/XX/XXXX through XX/XX/XXXX. I have sent a separate letter to the CEO of XXXX with a copy of my letter to the debt collector.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (NV)

I had a bank account with Nevada State Bank. In XXXX of 2019 the manager of the branch told me that I could not have any auto pays in my account. I had some come thru with non sufficient funds but I paid all of my fees. I only owed less then {$100.00} in NSF FEES, but Nevada State bank charged med a daily rate of {$8.00} then NSF fees on top of that & before I knew what was going on in XXXX they said I owed over {$700.00}. I was so angry. I paid it. Closed my account & opened an acct with XXXX XXXX XXXX. Now on my credit report it says that they gave me a personal loan of {$1000.00} on XX/XX/2019. That is a blatant lie. I never obtained a loan. I was never notified that I had a loan or owed payments. When I called they said I owed another {$700.00} in bank fees. For what? My account was closed. They have destroyed my credit saying I defaulted on a secured loan they never gave me. The manager, Of that XXXX Nv XXXX, XXXX was angry that I was closing my account. She was treating me like a child saying I couldnt have auto pay which would mean I would pay more for car insurance, ect. Fraudulent bank fees arent a loan. I was never sent a notice or anything regarding this amount. I asked them to give me the loan documents that state I procured a loan, or any paperwork work regardless this matter. They refused because they have none. I need your help. I need this removed from my credit. A loan is a sum of money given to a person, this personal loan. They never gave, loaned me money. They charged my closed account fees then called it a loan without notifying me or billing me. This is all fraudulent,
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of XXXX. but $ $ this account is fully paid-off and balance on it should be {$00.00}
Consumer complaint received 2023-10-22
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: CCS Financial Services, Inc. (MD)

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute and Request for Debt Validation Reference Number : XXXX Date of Receipt : XX/XX/23 To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account. I received a notice from Credit Collection Services regarding this debt on XX/XX/23, as indicated by the reference number mentioned above. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which allows me to request written verification of this debt.

Please provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number, if different from the one mentioned.

3. Detailed documentation confirming the amount owed, including a full account statement.

4. Proof of your authorization to collect this debt.

5. Any applicable agreements or contracts bearing my signature. 

I request that you cease all collection efforts and refrain from reporting this alleged debt to any credit reporting agencies until the debt is validated per my request. Failure to provide proper validation within 30 days from the date of this letter will result in a formal cease and desist order, and I will consider taking legal action to protect my rights under the FDCPA. 

Please reply in writing to the address provided above. Do not contact me by phone, as I prefer all communication to be documented. 

Sincerely, XXXX
Consumer complaint received 2022-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (CT)

There is disagreement over non-receipt of funds from loan applied for and approved in amount of {$6800.00} with Avant, they claim non-receipt of funds is fraudulent when I applied for loan myself, provided income information, social, etc.. The issue appears to be technical in nature, funds sent to incorrect account, Avant disagrees and insists it is fraudulent by providing a fraud packet which they claim they emailed and never received ... Error appears on end of Avant, funding incorrect account.. Regardless of fraud or not, the loan amount, {$6800.00}, plus interest will not be paid due to non-receipt and extortionate interest rate which if paid by term end, doubles loan amount to around XXXX I do not have terms available to me at this time, as I recall, the total paid would come to over double loan amount... I've checked into some reviews of Avant, mostly negative with mention of same high interest amount which they appear to charge everyone whom is approved regardless of credit score... Prior complaints were filed in regard to their extortionate rate, unresolved. Their rep, XXXX XXXX, defended their rate, regardless of credit score, nothing resolved.. Despite high rate and non-receipt of loan, payments were made and ceased due to unresolved issue with high rate and further, non-receipt of funds.. Avant replied to last CFPB complaint referring to prior contact made by myself, no mention of non-receipt of funds which is irrelevant, no further payments will be made... Avant provides number to call to make payment which as stated before in prior CFPB complaint, no further payment ( s ) will be made... Please advise Avant to accept payments already made prior as settlement, remove account from credit reporting... If not, account will fall off after seven years, all derogatory information removed...
Consumer complaint received 2021-10-04
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-09-08
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. (NY)

According to their website : XXXX XXXX XXXX Equifax " ... believe that your personal information may have been impacted by this incident. '' Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk for identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

You are to remove all personal information that is incorrect, formerly known as names except XXXX XXXX XXXX XXXX, employers, social security # information due to privacy concerns and my right to individual privacy and the privacy act of 1974 along with 15 USC 1692 of FDCPA, all addresses are to be removed except for address of XXXX XXXX XXXX XXXX XXXX Michigan XXXX you are to delete date of birth due to privacy issues immediately. You are required to remove any medical information by XXXX XXXX XXXX XXXX XXXX XXXX due to being sold to 3rd party and sharing my private medical information without my consent which you know the law passed this year requires you to not furnish medical information on a consumer. Lastly i need the consent form from you that shows i consented to have my private information given to a third party to be resold for advertising purposes between you and XXXX XXXX XXXX. If you can not produce such consent form that is required by you then you must remove said item from credit report and under State law the statute of limitation has expired on such alleged debt and i am demanding you remove said collection from my consumer credit report.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I called my mortgage XXXX  ( citizens ) on XX/XX/XXXX to find out how much to pay off my loan. I was told it was XXXX including a recording fee to release the lien. I asked if i could pay that right away and was told i had to either mail a cshiers check or authorize them to take it from escrow. I immediately authorized it from escrow. The woman said no probelm she would make that happen right away. About 3 weeks later I received a late notice. I called Citizens back on XX/XX/XXXX to find out why I received a collection notice. I was told that the person who i spoke to a month prior didnt do it right and he had to remove the late fees and then the next day he would set it up to be taken out of escrow. On XX/XX/XXXX I received another late notice and called to be told it still wasnt done and they didnt know when it would be processed. I explained i needed it done ASAP so I wouldnt have the additional property to be processed by my accountant in XXXX taxes and would cost me more money. Again, sorry but theres nothing we can do. On XX/XX/XXXX I filed a public complaint on XXXX regarding the terrible customer service of Citizens and someone reached out. Assured me that they would get my info to the manager of customer service and get it handled. I still have a balance as of today XXXX. I called into them and was told by the auto attendant that i am late with my payment and have been on hold for a person for 34 mins now.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (IA)

Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.