davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Federal Adjustment Bureau, Inc. (OH)

I received a debt collection notice dated XX/XX/XXXX on this day of XX/XX/XXXX. My last date of residency for this account was XX/XX/XXXX. When we vacated the residence, we left behind a full month 's rent as a security deposit, a {$0.00} balance due for rent, a forwarding address ( which is current ), two current telephone numbers, and both of our email addresses if the company needed to contact us for any reason. Since this date, our family has not received contact by mail, phone, or email from the leasing office indicating that there was a balanced owed. The debt collection agency, known as XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX is claiming we owe {$630.00} to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. Again, we have not been contacted regarding any balance owed or damage inspected at our residence since we vacated.
Consumer complaint received 2023-08-17
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-08-17
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. (DC)

It has been drawn out into the open that you are not hindering items 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 items 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
Consumer complaint received 2023-08-17
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, it was brought to my attention that there were several charges, or amounts on charges, that I didn't authorize. I immediately locked the card with the app option online and contacted Citi bank to let them know what was going on. At that time, I filed a dispute and advised them that I did have the card but I was in XXXX at the time and being a XXXX I had been taken advantage of, and exceedingly high amounts were charged on several scenarios, these amounts were not authorized by me. Also, there was a substantial charge of over {$1200.00} that I could not validate in any way. They advised me that they would investigate the situation and contact me if further information was needed. They made no attempt to contact me, but claimed they had, and closed the dispute on XX/XX/XXXX, although It's quite impossible to tell when anything was done, as their dispute center doesn't provide very accurate information, and there no alerts as to when the information is posted to the account. 

Because they claimed to need more information, I called their security center, as instructed in the dispute center, to reopen the claim. At that time, I had to go through the whole explanation again, and validate which charges were fraudulent. Several days later, I checked in the online dispute center, but no new information had been posted. I again contacted the fraud department, and was advised that they could see and active investigation, and that not to worry, it was being worked on. It's now XX/XX/XXXX and I contacted them again, this time I escalated the call to a supervisor who eventually tried to explain that my situation was consider a scam and that it was not covered. Citi Bank is trying to change the very definition of fraud to suit them. I've had a scam occur one other time and my bank covered the charges, but apparently Citi bank does what best suits them and does not, as their moto says, " Have your back. '' Throughout this entire time, Citi bank has never contacted me, they have never been forth coming with any information and now to have someone tell me that, even though you explained the scenario, that it's not covered. I've had scams and fraudulent scenarios occur with my bank, and they didn't try to change the very definition of the word. Also, during this time, Citi Bank increased my credit line without me requesting it. I brought this to the attention of the supervisor, who claimed he could not see this and that is not their practice. Well, when they about max out your credit line allowing fraudulent charge to remain, then giving you more room to rack up more charges must be their way of helping a customer out. Takeway : Citi Bank has the back of the scammer 's and fraudsters over that of their customers.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Experian refuses to correct inaccurate information disputed several times without correcting. Theyre reporting 30 days late for the month of XXXX 2022 yet XXXX only shows 30 day late for the month of XX/XX/2022 which I have provided documentation for proof
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am writing to express my grave concerns and to file a formal complaint against Capital One concerning an account under my name, specifically the Capital One XXXX. 

Overview of the Issue : In XXXX of XXXX, after receiving communication about outstanding debts, I promptly sought legal assistance from the XXXX XXXX XXXX ( XXXX ) with the understanding they would help negotiate and settle the debts on my behalf. 

However, what followed was a series of unexpected and distressing events : In XX/XX/XXXX, I was informed that my case with XXXX was being transferred to XXXX XXXX. 
In XX/XX/XXXX, I was served with court documents from Capital One, claiming I owed an amount of {$5100.00}. Fortunately, XXXX XXXX responded to these documents, effectively placing the legal proceedings on hold. 
To my surprise, my case was then transferred to XXXX XXXX XXXX. I've found XXXX XXXX to be acting in bad faith, demonstrating a concerning lack of communication and transparency. I am in the process of filing a separate complaint against XXXX XXXX XXXX with the XXXX XXXX and Attorney General due to their unsatisfactory conduct. Also in contact with a lawyer regarding bankruptcy, due to my business needs as a small business owner I make almost no money myself and qualify for bankruptcy in this case. Though I would prefer to settle my debts for an amount that feels alright for everyone. 


Current Situation and Plea for Intervention : Due to XXXX XXXX XXXX 's questionable actions, I am now without any legal representation for settlement unless I find someone else, but for now I am facing increasing pressure from Capital One. 

It deeply concerns me that, as a consumer who took proactive measures to address a financial situation by engaging a law firm, I am now in a more challenging position due to the actions of the legal entities that were supposed to help.
Consumer complaint received 2023-01-26
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. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES XXXX  OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!
Consumer complaint received 2023-02-18
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: Avant Holding Company, Inc. (FL)

I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of Covid-19, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed.
Consumer complaint received 2023-08-16
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. (CA)

EQUIFAX is in non-compliance and illegally reporting Inaccurate false information About me the following alleged account is listed as collection XXXX XXXX XXXX in the amount of {$530.00} And is updated With past due balances and an open account As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you
Consumer complaint received 2023-08-16
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. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the coal mine he worked. He had to receive XXXX XXXX surgeries. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.
Consumer complaint received 2023-08-16
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-14
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. (CA)

Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-20
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: CONTRACT CALLERS INC (TX)

I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : CONTRACT CALLERS INC with a balance of {$980.00}
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal is currently reporting inaccurate information to the consumer reporting agencies to my detriment and in addition to them reporting inaccurate information, they stole {$1000.00} out of my checking account that I needed to use to pay my bills and take care of my children 's needs. They are currently reporting that an alleged auto loan that I had with them is charged off but failed to provide the 1099C to me. They are currently damaging my credit worthiness, credit standing, and reputation as my credit score is completely tarnished with this negative account unlawfully on my report.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX