davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was wiring funds for a real estate matter and Wells Fargo froze my account due to suspected fraudulent activity in regards to the deposits posted on my account. There was no flagging of my account when the deposits occurred only when the funds were being sent out of my account. Wells Fargo demanded that I go to the branch and get on the phone with their national fraud investigative team where My privacy and the right to my own funds was abused. The matter was dealt with after I answered all questions multiple times. Months later I closed my Wells Fargo account due to the customer abuse I experienced.
Consumer complaint received 2023-03-12
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: TRUIST FINANCIAL CORPORATION (IL)

I mailed TRUIST BANK a letter via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX regarding a charged-off account being reported on my consumer reports. I have requested that this charge-off be removed due to the IRS clearly defining a Charge Off as GROSS or ORDINARY income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes TRUIST BANK/LIGHTSTREAMs reporting of this account inaccurate. I also asked TRUIST BANK to provide me with the 1099-C Form that TRUIST BANK/LIGHTSTREAM should have sent when they filed the account as a canceled debt. 

TRUIST BANK responded and totally ignored my request and continues to furnish negative information on my consumer reports. This is a violation of my consumer rights.
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

accordance with the fair act credit reporting act XXXX XXXX  # XXXX has violated my rights. 
15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states 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 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 2023-07-17
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XX/XX/2019 I received a l letter stating I had new electric services. I immediately called and canceled and advised that I did not open an account. I had been with XXXX XXXX  with no problem and would not and had no reason to switch. I have contacted XXXX for years. They stated I owe {$1100.00}. Finally after four years they sent me a letter showing what I was charged. They stated I had electric for XXXX days in XX/XX/2019, I advise multiple times I did not switch My company is XXXX XXXX. I have lived in this house for over XXXX  years my electric bill is normally between {$120.00} to {$230.00}. The higher amount in the summer months. The amount they said for XXXX days is outrageous. Anyone can see that is XXXX. Second on XXXX I was arrested because my XXXX yr was hitting me I held her down until police came. I was taken to XXXX  and because I did not have bond sat in XXXX until the beginning of XX/XX/2019 which means I wasn't even out to change my electric company. I have contacted them for years and disputed with them only saying I owe and no proof until this month when I threated with a lawyer and they is when they sent information stating I had there electric company from XX/XX/2019 until XX/XX/2019 which is impossible I was in XXXX one and two no way would I ever have a {$1200.00} electric bill for XXXX days my home barely would hit that number in XXXX  months let alone XXXX days. They are a fraudulent company I believe to be ripping people off and scamming them.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Random " XXXX XXXX '' Bank account opened with bank of america using my name, email and social. Was not able to reach the fraud department in a timely manner today so I will try again later. There's no money in the account and a debit card is being sent to my parents house. There is a XXXX dollar per month fee for keeping the account open.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Upon checking my credit report, I noticed that an account reported by Capital One contains a lot of inconsistencies across the 3 credit bureaus. XXXX ) The closing date varies : None for XXXX, XXXX XX/XX/2022, and XXXX XX/XX/2022. On XX/XX/2022, the account was reported as paid with OK status with all credit bureaus however and additional report was sent to XXXX as set the account as Charged off.
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc (NV)

XXXX at January Technologies has been continuously emailing me about an alleged debt. I have not given the alleged original creditor XXXX XXXX consent to share any of my private, nonpublic, personal, and/or identifying financial information with said third party. With that being said, January Technologies has no CONSENT or AUTHORITY to even possess my nonpublic, personal, private, and/or identifying financial information. I was not given a proper disclosure from the alleged original creditor Snap Finance of their intent to disclose such consequential information nor was I given the opportunity to opt out, which is required by law. XXXX at January Technologies has no authority or consent to contact me regarding this alleged debt, especially over 15 times by email. I am being harassed by XXXX at January regarding an alleged debt that they have no consent or authority to even have or disclose.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX XXXX : {$6800.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I'm trying to get my free annual credit report from Equifax. 
I tired their online system, but there is a point at which it sends an email with a one-time verification code. The email arrived, but there was just a blank space where the code should be. I will attach a screenshot of the email so you can see there is no verification code in it. 
I tried getting by their phone system. The Equifax operator I spoke to had me open a mobile app that takes pictures of my driver 's license and my face. The app took pictures of my driver 's license, but it would not take a picture of my face. 
I tried their mail system. I got no response at all. 

Please make EQUIFAX send me my credit report.
Consumer complaint received 2023-03-11
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. (CA)

I complained about Transunion credit bureau & they retaliated against me by decreasing my score by XXXX points. They have failed to update my current payment history. I have more positive history than negative history yet the only reflect the negative history. My credit usage is not currently 90 % is lower than that according to the other two bureaus XXXX XXXX XXXX. I feel this may also be XXXX discrimination.
Consumer complaint received 2022-10-31
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (RI)

XXXX just switched banks to Comenity. On XX/XX/XXXX I called to find out where my new card was & was told that it would arrive on XX/XX/XXXX. I explained that we would be in XXXX then & was there any way to get it sooner. I was told NO. Yet they wanted me to give them a payment over the phone. I said I would pay when my card arrived & I actually have an account with them. 
We arrived home yesterday & we have a bill from them but no credit card. I called to find out what was happening & at first they told me I wasn't in their system. When I mentioned I had a bill from them I was asked to read the # 's off the bottom of the bill & suddenly they found me. I explained that our card never arrived. I was told they would reissue my card & it would be at least 2 more weeks before it arrives. I told her to please understand that until I have an actual card & account with them I am not making any payments.
Consumer complaint received 2023-07-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-16
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-10-21
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: National Credit Systems,Inc. (NY)

I have contacted by ( certified mail via USPS ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( National Credit System ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I applied for capital one credit card which offered XXXX XXXX XXXX XXXX XXXX on balance transfers. I was told I would have to wait XXXX XXXX from the date of application before I could do the balance transfer. When I called on the XXXX XXXX, it took an XXXX XXXX XXXX of talking with various agents and their supervisors before I got to know that they had a system issue. the supervisors kept repeating the same things again and again though I was asking different questions. Many times they did not let me finish what I was saying in their XXXX  of arrogance and defiance. Finally I was told to call the XXXX XXXX but the same thing happened again and I was still not able to do balance transfer. I asked if they could offer me some credit for the trouble but they said no. They also said no to reducing the balance transfer time or to checking with agents why they were rude to the customer. Overall it was a terrible experience and I would recommend people to avoid using capital one services, especially credit cards.
Consumer complaint received 2023-07-13
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00}.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX I recieved an email from Bank of america letting me know my new debit card was on the way. I had not attempted to open a bank of america account although I've had them in the past as I worked for the bank. I immediately notified the fraud department and the account was closed Honestly I believe this was knowingly opened as fraud. The address they sent the card to was one I had not lived in since 2010. This is not the first time I've had this happen with bank of america. I've placed fraud remarks on my XXXX  and credit reports.
Consumer complaint received 2023-07-13
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

CHASE XXXX IS NOT EXPEDITING MY CLAIM NO. CASE NO XXXX THEY DO NOT ANSWER MY E MAILS WHEN I ASK THEM FOR UPDATES ON MY CLAIMS. 
YOU CAN NOT GET HELP BECAUSE NO ONE WANTS TO HELP. 
I HAD TO CANCEL MY TRIP TO XXXX BECAUSE OF A. MEDICAL PROCEDURE. 
MY CREDIT CARD OFFERS TRIP CANCELLATION. INSURANCE. 
I SUBMITTED ALL PERTINENT DOCUMENTATION AND THEY ARE GIVING ME THE RUN AROUND ABOUT PROCESSING MY CLAIM AND ISSUING A REFUND,