davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-05-10
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-10
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: CAVALRY INVESTMENTS, LLC (GA)

On XXXX my a account from Cavalry added a derogatory marks on my XXXX, XXXX  and XXXX  credit report. I filed a complaint # XXXX on XXXX. It was transferred from XXXX XXXX XXXX and sold to Cavalry. Upon research this account was transferred, I am not responsible nor was a written signature was on the bill per FCRA. Debtors creditors did not verify this collection, no written form of communication, signature or contract for this accused debt at all. A bill without a signature does not validate the debt. Anyone can send a bill but without a written signature according to FCRA, Cavalry has to validate. My rights as a consumer have been violated. Im requesting legal call to action to remove this account immediately. Please terminate collection efforts, remove from all credit bureaus due to failure to validate the debt. See all see all attached docs from Cavalry in response to complaint # XXXX
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TN)

All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called BARCLAYS BANK DELAWARE Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this BARCLAYS BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX  accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
Consumer complaint received 2021-05-10
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: Bread Financial Holdings, Inc. (TX)

I have been late before for a very long time, so I talked to someone in XX/XX/2021 the first time and told them that I was late because I'm unemployed and I will try to get the money, I did receive the and sent it but they reported it to the credit bureaus. I called again XX/XX/2021 and asked why did they report me if I'm having a hard time to pay and I did state my condition, but the lady said that I am current now on my payment but I told her that's not the point of have been called constantly from day end and day out for non payment so I would block the number but they would call on different other numbers. And she said that there is nothing that she can do since they have reported me to the credit bureau. Now this has dropped my credit score significantly.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

On XXXX1 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

Paypal has been lying to me about a account of mines they've closed down and never returned my money on the account. They said they hold the account for about 180 days which ended this past XXXX and then closed my account and said legally they do not have to give a reason ... Sounds fishy
Consumer complaint received 2021-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I reached out to XXXX XXXX and Equifax to inform them of an account that is not validated by me and is in violation of 15 USC 1692g. The law states I was supposed to be notified within 5 days and I was not. This is a violation of my rights and I want this removed off of my credit profile, as I am the original creditor and I do not validate this debt. It has been over 60 days since I sent in my dispute and I have not received any responses and I feel as if I am being taken advantage of. This is causing me much distress and I have no other options of getting this removed from my account and I am seeking litigation on this matter, in order to remove this invalidated item off of my report.
Consumer complaint received 2023-01-16
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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. XXXX  XXXX - account number : XXXX Account name : XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name XXXX XXXX  - account number : XXXX XXXX accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 2021-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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 information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Previous dispute with Credit Acceptance. I was sent a letter from Credit Acceptance on last dispute, which CLEARLY states incorrect COMPLIANCE DATEXXXX This letter claims XXXX to be XX/XX/XXXX. My report, and payment history REPORTED by Credit Acceptance CLEARLY states XXXX  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (NC)

On XX/XX/2021 I placed an order with the merchant XXXX and used Klarna as the form of payment. Klarna stated that I was approved and the payment was processed and the transaction was complete on XXXX website. On the XXXX of XXXX I recieve an email from XXXX stating my order has been canceled. I contact XXXX and they respond on the XXXX of XXXX that my order was canceled by klarna due to " suspected fraud ''. I have made multiple attempts to get answers from Klarna starting on XX/XX/XXXX using their in app chat feature. The first representative told me that I should be able to place the order and to try again since I was approved. I did try again only to be told on the merchant site that was not an option available to me. I went back to the chat feature the same night and spoke to another representative that told me to call into klarna customer service the next day that it was maybe a technical issue. I called Klarna the next day. I was not given any information just told someone from the account services would contact me. They never did. On XX/XX/XXXX I recieved an email from XXXX XXXX a Service Specialist apologizing for the delay and stating that someone would be reassessing the matter. On XX/XX/XXXX I reached out to XXXX again and they tried to reach out to Klarna to get clarity multiple times since. On XX/XX/XXXX I replied to the email from XXXX XXXX at Klarna and she still could not give me any information of the " suspected fraudulent activity '' on my account and they still have not tried to verify my identity with me. XX/XX/XXXX XXXX XXXX responds and we have back in forth most of the day. I ask for her supervisor or upper management and she refused. I asked to have my matter escalated and she refused, I told her there are laws and regulations against this and if credit is denied they have to say why within so many days. She hides behind the fact that my credit was approved. Well is it really approved if you then cancel my transaction for " suspected fraud '' and never attempt to verify my identity. XX/XX/XXXX, 20201 I also call Klarna customer service again and get the same run around. they tell me they can't transfer me and that there is no supervisor for me to speak to. The answers that I want can only come from an account specialist and I can't speak to one. They will only contact me if the flag is removed I will get an email. To make matters worse, I have placed other orders using klarna with the same information and they were not canceled. There is no reason for this flag that has been disclosed to me as the consumer I have a right to know if my information has been compromised.
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. (AZ)

Equifax mishandled my personal information including Name, Social Security #, Address, Birth-date, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2023-02-14
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. (SC)

Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed XXXX times. But they have yet to show me how it is my collection, how it belongs to me, etc. 

I have disputed this account XXXX times. 
This is not my account, i dont know who it belongs to. 
The creditor has never reached out to me. 
It is medical and under {$500.00} and just showed up in XX/XX/2022. 

They are incorrectly, and knowingly improperly reporting a collection on my credit report.
Consumer complaint received 2022-11-01
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. (NC)

On XX/XX/2022 I disputed unauthorized accounts that were allowed to be furnished on my consumer report by equifax. Equifax did not respond to my dispute properly on credit file date XX/XX/2022 confirmation number XXXX. They responded that the accounts were verified when I didn't dispute the validity of them. I sought to exercise my right to privacy for those disputed consumer credit transaction accounts. The accounts are extensions of credit which are transactions between me the consumer and the person making the report. The FCRA was written by congress to protect consumers from this careless behavior by equifax and not respecting my right to privacy. 15 USC 1681 ( 2 ) ( i ) excludes these extensions of credit private transactions on my consumer report. I am protected from this by the fair credit reporting act. The consumer credit transaction accounts were also furnished by equifax without my written consent. I will seek litigation if this matter is not resolved immediately.
Consumer complaint received 2021-05-11
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have a vehicle loan with Toyota Financial with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to Toyota, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from Toyota.

I called Toyota and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that Toyota remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that Toytota had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe Toyota was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.
Consumer complaint received 2023-01-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

After requesting my bank account be closed by Merrill Lync over a year ago. As todays date XX/XX/2021 my bank account is still opened and I was never closed nor did they mailed the remaining of {$3900.00}. I have no access to this account as I was informed it was in the closing phase. With everything happing last year life has been overwhelming with getting XXXX, losing my aunt to XXXX losing my job, I simply forgot about my bank account. I contacted Merrill Lynch on XX/XX/2021 and informed them I want my account immidely closed and I want my balance forwarded to me. I check this morning and the account is still open. I'm very concerned because I'm not sure what Merrill Lync is doing with my account like XXXX XXXX XXXX did to its customers. This situation is causing me a great deal of stress and XXXX. I feel there's nothing I can do and I'm out of options. Please help me with getting my account closed and getting the remaining balance from my account This should be illegal and Merrill Lync should fined.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 53 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.