davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.
Consumer complaint received 2023-02-23
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. (TN)

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. 
XXXX. XXXX XXXX XXXX ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXT ACCT : XXXXX XXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXNT XXXX X BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Capital Group, Inc. (CA)

XXXX XXXX XXXX and Paramount Capital Group on the date XX/XX/year> accessed my credit report to see if i would qualify for a {$5000.00} loan for a XXXX XXXX XXXX. Upon review they ended up pulling a hard inquiry on my report that affected it by XXXX. Mind you this was also with a co-signer with good credit report and they still denied me approval and damaged my credit substantially.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (CT)

I make use of my mental, physical and emotional faculties that, those hard inquiries made on friday, XXXX XXXX made by : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX bank XXXX I cordially request that they be withdrawn. I expect them to be removed from my credit bureau
Consumer complaint received 2023-06-30
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Morning Sir/Madam, On XXXX XXXX XXXXXXXX I Received A Letter From XXXX XXXX Transaction Support Center, Case # XXXX, Pertaining To XXXX XXXX XXXX XXXX Bill Payment in The Amount of {$250.00}, That Was Disputed for The Following Reasons. 
The XXXX XXXX XXXX XXXX XXXX XXXX, Purchased At The XXXX XXXX XXXX Authorized Dealer In XXXX, NY From XXXX XXXX Was Involved in A Severe And Historical XXXX XXXX Civil Rights Lawsuit, Involving Former XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both Fired For Cause ). I Have Been Retired Since XX/XX/XXXX and The Above Persons Have Some Sort of Obsession With Me, As Why Their Are Both Criminal And Above Lawsuit Pending. 

On Another Note, I Diligently Sent At least 50 Documents Showing The Following : A. Privacy Intrusions As The Above Phone Information Was Given Out By The Above XXXX XXXX XXXX XXXX Without My Permission or Authority Or Warrants. This Caused Extensive Privacy Issues, Targeted Hacking, Cyber Stalking And Safety Issues, Especially With My XXXX  Mother And XXXX Year Old Daughter. 
XXXX AT XXXX XXXX XXXX XXXX The President, XXXX XXXX XXXX Unbelievably Offered Me A Low Level Settlement, Through Fair shake, Which Was Declined for Obvious Reasons. XXXX Inquiry # XXXX on XXXX XXXX XXXX 
XXXX At least Two Complaints to The XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX And One Other. 
XXXX I Was Extorted To Unbelievably Pay For An XXXX XXXX XXXX Phone That Was Paid In Full In Less Then A Year, Received Harassing Bills On A Ongoing And Ongoing Basis, Unbelievably Several Times A Month. 
XXXX I Received Constant And Ongoing Suspension Notices, Immediately After Paying For A Phone That Was Paid In Full. 

On Another Note, I Called Capital One Journey, Phone # XXXX And Spoke To Customer Support Member, XXXX on XX/XX/XXXX @ Approximately XXXX. And Discovered The Following : A. Missing Paperwork, Solely Pertaining To The XXXX Dispute XXXX XXXX XXXX {$250.00} Which is Quite Impossible, Since I Both Sent The Above Supporting Documents Both Priority/Certified USPS Mail And Further Confirmed Receipt. 
B. This Is Not My First Problem With Capital One, As They Appear To Be Both Oblivious And Not Aware of What They Are Both Obligated And Responsible For As Credit Card Provider. We Are Appalled By Both XXXX XXXX XXXX And Capital One And Expect A Thorough And Lawful Investigation, As Its Involving All Of The Aforementioned. 
XXXX The XXXX XXXX XXXX Phone Has Been Completely Out of Service for The Above Reasons, Since XXXX XXXX 

Please Feel Free To Contact Me, If You Have Any Questions, Concerns or Require Additional Information Whatsoever. 

Thank You So Much For Your Help And Support During These Horrific And Unlawful Times, Especially In The Year XXXX? 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

i opened a new checking account with Citi Bank in XX/XX/XXXX, and then they began to say that i still owed money on my old Citi checking plus account. So i transferred {$2400.00} to my old Citi checking plus account on XX/XX/XXXX. Since then, they have apparently reversed the transfer and imposed additional late charges of approximately {$150.00}. { I'm sorry i don't have the exact number. } When i call Citi all i get is transferred to another department and no one can give me an explanation of why my original transfer was reversed. Thank you.
Consumer complaint received 2023-06-30
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. (PA)

Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in XXXX.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2023-06-30
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. Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX  XXXX ; Account # XXXX, XXXX XXXX  ; Account # XXXX, XXXX XXXX System ; Account # XXXX, XXXX ; Account # XXXX, XXXX ; Account # TMR XXXX ; Account # 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 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (NY)

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/year> 2024
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LAKE MICHIGAN CREDIT UNION (MI)

I was the victim of a fradulaent charge and scam through XXXX and XXXX XXXX. I had items listed for sale on XXXX XXXX. A buyer reached out to me and indicated that they wanted to purchase the item. They asked for the transaction to run through the XXXX XXXX  XXXX. I downloaded the app and set it up. The buyer indicated that they transferred the payment. I then received an email from XXXX stating that I needed additional funds to verify my account as the payment from the buyer came through as a business account. They stated I needed to transfer {$300.00} an the buyer needed to as well. The buyer sent me a screenshot of their banking transaction showing that they made the transfer. I then proceeded. After that was completed, I received a second email stating that an additional {$500.00} was needed to verify the account. Another {$200.00} with transferred from my account for a total of {$500.00}. They continued to request {$300.00} more and I refused. Then then started to send threatening emails and I realized at that point that it was a scam. They proceeded to send me emails threatening to turn my information over to the FBI if I did not comply with the transfer. My credit union then flagged my account for fraudulent activity and closed my account. Both XXXX and my credit union are refusing to refund me the {$500.00} that was withdrawn through this scam.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (WI)

At the suggestion of the company that installed my windows, I took out a {$45000.00} home improvement loan from EnerBankUSA, which is located in Utah, now a subsidiary of Regions Bank in Alabama. This was a home improvement loan which if fully paid by XX/XX/XXXX would accrue no interest. 

After the windows were completed in XXXX XXXX and the company was paid, the loan was added to my credit scoring. Unknown to me, and not discovered until I saw my credit score decrease from XXXX XXXX XXXX. As I was looking into it further, on a credit report, they had closed my account for non-payment. It was later reopened but there was no return of my credit score back to its original score, it still remains in the XXXX 's. This must be restored to normal as soon as possible, as my car was just totaled and I need to be shopping for a new one. I am also a retailer and don't want my accounts to be closed.or new ones not accepted because of my now lagging credit score. 

I have spent numerous hours trying to get in touch with the bank at both the normal and customer service numbers, and have stayed patiently waiting now for up to 2 hours at a time. I always get the same recording on both lines which says because of high calling time the wait will be ... the last time XXXX min on the regular line and XXXX min for the customer service number. I have tried, morning, noon and afternnoon, There is no way to actually contact this bank, and I certainly wonder if all these other calls are not for similar reasons as mine.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, it's mandatory for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed there are not correct, and it's causing me some discomfort.
Consumer complaint received 2023-06-30
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. (PA)

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

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
Consumer complaint received 2020-01-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (OH)

XX/XX/2020 this company has not sent any letters to my address regarding amount if any owed. Now have a different company calling my number and other members of my families staying I owed a debt. I called and asked them to send me a letter with what was owed earlier today. They continued to call not only number but also the other numbers I ask them to not called. I had to call a second time when the recording stated they would be sending someone to my home or job to serve me, now upset I called again to ask them to send a letter again and dont call me.
Consumer complaint received 2019-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (UT)

" New Issue '' Obtain police report from XXXX police department ( XXXX XXXX XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding Wells Fargo to this complaint as you stated Wells Fargo hold responsibility for taking exempt funds. Wells Fargo can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below.

Please explain how you can report these negative marks when I was never late.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. XXXX15 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 1681 c. ( 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Accounts : XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-08-13
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.