davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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)

I am writing to file a dispute against XXXX, XXXX XXXX Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, XXXX & Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, XXXX XXXX Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, XXXX XXXX Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, XXXX XXXX Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, XXXX XXXX Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX XXXX Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.
Consumer complaint received 2017-06-06
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 (TX)

On or approximately around XXXX XXXX, 2017 as i was making my monthly payment I took notice that my account Balance was higher than it should have been by my budget record. At that point i called to report fraud/unauthorized use of my card with CapitalOne XXXX Card at ( XXXX ) XXXX seems there were small charges done over past few months that i had overlooked when CapitalOne first removed the charges i felt the issue was going to be resolved as these done through the internet and so there in no signatures, no card swipe or anything else to verify that i had placed/authorized any purchases but few weeks later they conference called me with the company which applied these charges during which based solely on fact they have tracking numbers through USPS without any signature to prove these items were ever actually received i was told that the charges would be placed onto the new account number as the original was closed for security and replaced with new account number and card. There is nothing from the company to validate these charges other than USPS tracking numbers showing delivered to my home address. No signatures for any of these transactions at point of sale No card swipe No chip readings Basically is no validation to show these repeated orders/shipments Even the local Post Office in my town has had the public drop off box broken into so without any viable proof of any authorized purchases I am now being held accountable for {$320.00} by my own credit card provider Charges are as follows : XXXX/XXXX/17 {$4.00} XXXX/XXXX/17 {$6.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00}
Consumer complaint received 2021-07-22
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates (TX)

Someone stole my ID and social to open up the following account in my name : XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX The Credit Bureaus have my Police Report and ID Theft Report.
Consumer complaint received 2020-02-19
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. (TX)

Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.
Consumer complaint received 2020-02-19
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)

Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the co

mpany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30-days late marks which is a clear violation
of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-11-17
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (KY)

Hello. I have an amazon Storecard services by synchrony bank. I have fallen on hard Times and havent been able to make a payment for a few months now. I am XXXX and currently Have active cases with social security XXXX as well as worker compensation. I am trying to download my billing statements as I do not have paper statements. They are only available through my online account. I am being told that unless I make a payment that I will not be able to get my statements. Is this legal?
Consumer complaint received 2020-02-19
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. (TX)

Someone stole my ID and Social and later used it to open the following account : XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

Medical Validation Letter with request for HIPAA authorization Phoenix Financial Serv Acct # XXXX To Whom It May Concern : On XX/XX/XXXX i recieved notification from credit bureau stating a collection on report that I was not a ware of. I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX  XXXX, but I have not received any letters for alleged debt. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to for anyone to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back by mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I have an email from an employee of XXXX XXXX XXXX XXXX by the name of XXXX XXXX who analyzed my credit report and gave me a summary of the repairs that would be made on my credit report. 
On XX/XX/XXXX, I received an email from XXXX XXXX, Senior Consultant, employee of XXXX XXXX XXXX XXXX who informed me that XXXX XXXX was no longer employed by them and that he would be assisting me. 
On XXXX, I received another email from XXXX XXXX and telephonic communication who helped me to sign my contract through a company by the name of NOTARIZE through live video and audio conference call. 
On XX/XX/XXXX payment of {$500.00} deposit, XX/XX/XXXX payment of {$400.00} and XX/XX/XXXX payment of {$400.00}. 
As of XX/XX/XXXX, It was my belief that XXXX XXXX began to repair my credit. I was told by XXXX XXXX that they were going to place fraud alerts with the bureaus so that my credit would not be accessed as they were attempting to repair. As the months passed, I received lots of emails from the bureaus and saw an increase in my credit score. At some point, I had a question regarding a creditor on my credit report and was unable to contact XXXX XXXX. I kept calling and finally got an agent who told me that they were having some technical issues with their website but that they were working on it and that she would contact the back office to inform them of my concerns. I never heard from XXXX XXXX from that point. As I review my credit score now, it appears that my score has dropped to the score or below the score that I originally had when I first contacted XXXX XXXX. I'm not sure if XXXX  reversed the scores or if the bureaus reversed the score, but I would like it to be investigated.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

I FINANCED FURNITURE THRU XXXX XXXX AND WAS TOLD IT WAS FINANCED THRU  ONE COMPANY, WHEN TWO COMPANIES TOOK MONEY OUT OF MY ACCOUNT I REPORTED THE COMPANY I WAS UNAWARE OF AS FRAUD, XXXX XXXX DID AN INVESTIGATION AND DECLARED IS WAS FRAUD AS WELL, THREE MONTHS LATER THE COMPANY CALL ME AND TELL ME THERE GOING TO REPORT IT AGAINST MY CREDIT, AFTER THEY CONTACTING ME FOR THREE CONSECUTIVES WEEKS AND SENDING ME A CONTRACT THAT WAS ELECTRONICALLY SINGED ( WITH MY NAME BUT NOT BY ME ) I REALIZED THEY ALSO FINANCED MY FURNITURE SO I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME, A FEW MONTHS AFTER THAT I WAS CONTANTED SAYING I NEEDED TO PAY THE {$590.00} DOLLARS THAT I DISPUTED THRU THE BANK I REFUSED TO GIVE THEM MY BANKING INFORMATION AND THEY REFUSED TO TAKE A MONEY ORDER AFTER A FEW WEEKS OF ARGUING THEY AGREED I CAN GET A PREPAID VISA AND PAY THE TOTAL, WHEN I CALLED BACK TO PAY, THEY REFUSED AND NOW ARE CLAIMING THAT I OWE THREE THOUSAND OR SO ODD DOLLARS AND I REFUSE. I AM WILLING TO PAY THE MONEY THAT I DISPUTED THRU THE BANK BU NO MORE THAN THAT, THEY HAVE NOW REPORTED IT AGAINST MY CREDIT BUT I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME OF {$3600.00}.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXXthey all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX
Consumer complaint received 2019-11-15
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$570.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MA)

PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX
Consumer complaint received 2024-03-09
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. (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.

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 2024-03-09
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. (MD)

Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

I *love* my new car - a 2015 Chevy Spark XXXX a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : XXXX. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you.
Consumer complaint received 2016-01-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment