davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. 

XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX have 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 2023-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (WI)

AMSHER COLLECTION SERV is report on XXXX/XXXX/2023 a balance of {$440.00} I have no Idea what this account is. I need the company to validate this by the following 1. I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3. Also provide with the master bill of sale
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AZ)

On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP (NJ)

This agency contacted me by phone on or about XX/XX/2023 about a debt I have no knowledge of and do not owe. I advised this verbally and was assured I would receive documentation by mail. To date, I have not received any documentation of the alleged debt. Furthermore, I sent the attached letter on XX/XX/2023 and have not received a response. Despite the debt being in dispute and completely unverified, it was reported to XXXX.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I am a victim of fraud and mail theft. Discover alleged I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to XXXX XXXX XXXXXXXX XXXX. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with Discover in good standing that I opened in XXXX. I have no knowledge of any account with Discover opened XX/XX/XXXX. I promptly contacted Discover by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a Discover customer since XXXX and not XXXX.
Consumer complaint received 2023-11-12
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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX  Account balance {$300.00} XXXX XXXXXXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}
Consumer complaint received 2023-10-05
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. (CA)

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 myself or the customer service representative of the said accounts. 
XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-05
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)

In accordance with the Fair Credit Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 602 A. states I have a right to privacy.

15 U.S.C 604 A. Section 2 states a consumer reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat payment on a credit card account under open end consumer credit plan as late for any reason. 

These or the name of the Accounts. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.
Consumer complaint received 2023-10-05
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)

I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. Account Details : XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this account immediately.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MN)

On XX/XX/, I went to the XXXX XXXX branch of US bank to deposiXXXX {$640.00}. I checked my account and realized the money was never deposited in my account. I went back to the branch and they had deposited my money into someone elses account. They apologized and told me by the end of the week, they will deposit the money back into my account. Its now XX/XX/2023 and the funds are still not there. I contacted the representative and she told me she is sorry and will give me an update later today and she sent me an email with the same message. She has not called nor answer my emails for an update. Even customer service doesnt want to help me. I have been with US bank for over 15 years, I feel like someone stole my money and no one cares to help me.
Consumer complaint received 2024-04-06
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)

On XX/XX/year> I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/year>. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no one company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

This is regarding an old account that was closed. I have gained first hand knowledge and understanding that I am and was the original creditor to the account by extending my social security number. It was not disclosed to me that there is/was interest accrued and gained on the account even after closure. There was a breach of contract by failing to uphold fiduciary duties on the banks behalf and there were many illegal miscellaneous fees and charges applied to my account causing me to lose equitable interest and causing damage to my name and reputation.
Consumer complaint received 2023-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

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 myself or the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX, CAPITAL ONE XXXX CAPITAL ONE XXXX, CAPITAL ONE XXXX, and CAPITAL ONE XXXX, were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 9th request but no one seems to care. I want to dispute specific items in my credit file that do not belong to me. 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit Reporting Act CB Indigo act # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello and thank you so much for helping out, I wanted to please reach out because I havent heard from the disputes team. 

I attempted to make a purchase on the XXXX XXXX XXXX website, I got notification from them the card declined. 

I attempted again and declined. 

I called XXXX XXXX XXXX XXXX and they said they reset my account and to attempt the charge again, it still failed. 

I tried with XXXX and still no luck. 

I saw I was charged XXXX times, I was told these were pre-authorizations and should fall off. 

Ive been waiting for weeks and it hasnt fallen off and when I called Bank of America, they said they filed a claim yet havent gotten help
Consumer complaint received 2024-04-06
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. (CA)

I requested The original creditor 's name and address. 
The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have ( XXXX ) variations of my name on the Experian report credit file. I have contacted them various times as well as sent them a letter for correction. I'm not understanding why Experian will not update my personal information correctly.