davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

A XXXX XXXX XXXX called me and said I owed {$930.00} on a XXXX XXXX account that was never paid from XXXX ending number was XXXX. I asked that they send me something in writing to my email but never received it. They said they sent it to my email 4 times. I didn't receive it. Then he said XXXX XXXX sold my account to HSBC and wanted me to make a settlement in the amount of {$630.00} then the phone call was somehow disconnected. I then called XXXX XXXX to inquire about all my past accounts with them and they assured me that I have settled and paid all my debts. XXXX XXXX even went back as far as XXXX and said I don't owe them anything. I also asked if they had sold my account would they still be able to see it and they replied yes. They did not show that any of my accounts were sold. The guy from the XXXX company said his name was XXXX XXXX his phone number was XXXX XXXX XXXX. He also said they were going to serve me with XXXX XXXX XXXX on my job. Please help
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance of XXXX. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my {$15000.00} back via a mailed check to my address even though it took a matter of minutes for them to debit my TD banking account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (TX)

There is a medical collections on my equifax credit report under the XXXX threshold. I tried disputing it with them. However they just validated the debt. Thats not my issues.beginning this year all medical under XXXX be removed from report. I cant get them to listen.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-26
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. (AL)

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. 
Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted XXXX, XXXX, and TransUnion in XXXX of 2023 to correct inaccuracies in my credit report and XXXX and XXXX declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. XXXX and XXXX have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on XXXX 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses on XXXX 's report XXXX Two addresses are non-mailable : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX In XXXX of XXXX under XXXX XXXX XXXX XXXX opted out of XXXX XXXX XXXX  reporting my nonpublic  personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
Consumer complaint received 2023-03-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I spoke with a representative on Friday XX/XX/XXXX and let them know I had been unemployed over a month and that I was beginning a new job that following Monday XX/XX/XXXX. They noted it in their system and said to make the minimum payment once I received income from my new job and that I may still receive a call or two per day because of my account status. Since Friday XX/XX/XXXX, Ive been receiving calls every hour as if I never spoke to anyone. I havent been employed a full week and the calls are becoming overwhelming especially while Im in training.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

After XXXX months of having opened a credit card with Capital One, theyve closed my credit card. I made payments on time or early and had one returned payment that should have resulted in a fee. This account closure may have negatively impacted my credit score which may limits my search for housing. Moreover, I was given the reason that I cancelled future payments which was a negative indicator. I schedule payments in XXXX then cancelled them at the end of XXXX to make the payment in XXXX. Please review and consider removing this account closure off my credit report once the balance is completely paid.
Consumer complaint received 2023-03-01
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: Affirm Holdings, Inc (IL)

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 any purpose. Also account paid and was suppose to be removed from my credit report.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/XXXX through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$0.00} ; SECURITY XXXX Balance : {$310.00}.
Consumer complaint received 2023-02-03
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 (CA)

In accordance with the fair credit reporting act this creditor, 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 any purpose.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

In XXXX of 2022 I began receiving notices of credit inquiries that I did not make through XXXX. Unknown persons attempted to apply for a Master Card through Macy 's twice. Also, in late XXXX I was contacted by XXXX XXXX with a suspected fraudulent application for a {$25000.00} student loan using my information as a co-signer. The most recent activity was an unsolicited inquiry to Macy 's and American Express on XX/XX/XXXX. I found out afterwards that the perpetrators were able to reopen my XXXX account. I was able to re-freeze my XXXX account with a fraud alert and I have spoken to both Macy 's and American Express and reported the inquiries as fraud.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-10-25
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. (NM)

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.

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 2023-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/2023 I Zelle payment a tattoo artist {$300.00} to do a job. I was supposed to meet him at the shop on XXXX XXXX. When I contacted the shop to verify my appointment I found out he no longer work for the company, he is not returning my calls or refund me my money to me
Consumer complaint received 2023-02-13
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. (MI)

I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXXXXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX 2022, Capital One Bank froze my account due to a transaction being disputed. They told me they would need to close my account account and mail me the remaining balance which at the time was {$26000.00}. After many attempts to close out the account, they still have not closed it. It has led to the account incurring interest so the total amount is now at {$26000.00}. They also had said on a phone call that my case advisor left and they forgot to reassign my case.
Consumer complaint received 2023-02-13
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX  FCRA Violation : other loan not mine XXXX XXXX {$540.00}
Consumer complaint received 2023-01-13
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. (TN)

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX bank, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.
Consumer complaint received 2023-01-13
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. (TN)

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, Transunion, and XXXX are reporting fraudulent information.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (SC)

Someone opened a Barclays credit card in my name on XX/XX/XXXX with a credit limit of {$14000.00}. This was not me. I already had a credit alert on my name from XX/XX/XXXX after someone opened an XXXX account in my name. However, Barclays never contacted me for further Authentication when granting the $ XXXX credit card to the scam artist.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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