davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
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: EQUIFAX, INC. (FL)

called XXXX fraud specialized team on XX/XX/2019 and tried to dispute numerious credit inquiries that i did not apply for and demanded thoes inquiries to be removed. but was told over phone that they do not remove fraud inquiries they refuse to removed fraud inquiries which transunion is subject to fcra violation and requesting them to remove all unauthorized fraud inquiries from my report starting from XX/XX/2019 threw XX/XX/2019 except inquiries that are related to my actual accounts.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX 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 2023-03-02
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. (UT)

In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX  XXXX XXXX  # XXXX, Account name XXXX XXXXXXXX XXXX XXXX # XXXX, Account name XXXX 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 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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

In Accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S (CA)

On XX/XX/2022 ( or so I think ) there was a XXXX credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors Suttell & Hammer of these charges that were verified by XXXXXXXX XXXX
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022, There are credit inquiries on my credit report that I don't recognize. I have disputed these inquires but they have not been removed. The company names are attached and highlighted in yellow. The companies listed have not contacted me as the fair credit reporting act requires under federal law. I did not give permissible purpose to the companies listed. It is illegal to furnish consumer information to companies without consumer consent. 

The names of the illegal inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.
Consumer complaint received 2022-10-01
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. (TX)

On XX/XX/2022 I sent documentation the Equifax to remove items listed below from my credit report due to them being fraudulent accounts. Equifax claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC Affidavit to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (TN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2022-06-01
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept Of Education/XXXX Account # XXXX, XXXX XXXXXXXX Account 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have received XXXX credit complaints from different banks, which have affected my credit score, yet I have not applied for any of these, the only thing I have consciously applied for is XXXX Capital One credit cards. I need your help to solve this problem and erase these XXXX complaints from my history. Please.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I opened a small business checking account with Wells Fargo several years ago. In XXXX, I opened two additional accounts related to this original account. The banker who opened the accounts called me to return to the bank which I did in XXXX ( XX/XX/XXXX ) because I had moved and the address was appearing differently. So I went in, gave him the documents he needed and signed that my new address was in fact correct. 

On XX/XX/XXXX, I received an email that my email was no longer attached to that checking account. So I logged on to see what was going on and found that all 3 accounts had been closed and my balance was XXXX. No explanation, no other notification. 

I called to the Wells Fargo offices repeatedly yesterday and everyone told me, it was something I had done wrong and it would take 10 days to resolve, and there was no way to reinstate the accounts. 

I pay bills from those accounts and I collect payments. I also pay myself through that business account. 

I finally convinced the banker who originally worked with me to do something and he called me back and said the error was theirs, something he had changed hadn't gone through. So he said I could reinstate my accounts but I had to sign more paperwork. He is in Arizona, I am currently in MD. So I went to a local bank this morning and signed. Now I am being told it will still be several days before the accounts will be reinstated and no one has any idea about my money. 

This seems criminal to me. I made no mistakes. I was never notified - though they repeatedly have said they " mailed '' me something- which I have never received. Yet, they have taken all of my money and closed my accounts, preventing me from conducting business. 

Thank you.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ALL NEGATIVE ACCOUNTS LISTED BELOW 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 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I was wrongfully sent to collections due to management 's gross negligence and unethical practices. I should have never been reported to the collections company, XXXX XXXX. My insurance company, XXXX, paid XXXX 's XXXX  XXXX ( XXXX XXXX XXXX  ) for their claim. It is inappropriate and unethical to file a claim on someone's insurance and then send them to collections without any follow up. They have destroyed my credit. 

XX/XX/XXXX, XXXX Moved out of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XXXX  reported a loss to my insurance XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened a collections account against me with Hunter Warfield ( Account # XXXX XXXX ) for {$2800.00}. 
XX/XX/XXXX, XXXX XXXX settled the claim and paid XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX assured me that the entire debt will be cancelled with Hunter Warfield . 

Management is refusing to provide copies of all bills communicated to me after XX/XX/2021 or an itemized bill that was assessed for the alleged damages. 
No one contacted me or sent me any form of communication that I still had a balance pending. 
No one cancelled the collections account in XX/XX/2021 when the balance was paid in full by my insurance. 
Today this account is still being reported against me on XXXX with no updates since XX/XX/2021. 
Not only has this issue affected my ability to refinance my vehicle, apply for a mortgage, but now it is affecting my ability to get a rental home. 
Enough is enough, this has gone on far too long and caused incredible hardship affecting me and my daughters. 
XXXX confirmed that the negative item that denied my application is Hunter Warfield ( Account # : XXXX ). 
I don't have 30 days for XXXX to review my dispute and make a decision. this needs to be completed deleted, i should have never gone to collections. I need to find a home for my children within the next 7 days or I will lose my pending job offer! I can't apply to any rental properties till this item is off my credit report. No one is taking responsibility for this egregious oversight that has been detrimental to my life and lives of my children.
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Equidata, Inc. (MD)

Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (MI)

They call me at least 3-5 times a day and I have repeatedly asked for written communication only and debt validation. The call from all different numbers and call me and my family several times a day. They have use abusive communications and threatened me and my family.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.