davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2019-08-24
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. (CA)

I submitted a dispute to Equifax concerning inquiries on my credit report. The two items were : XXXX XXXX ; XXXX XXXX XXXX XX/XX/2018 and XXXX - XXXX XXXX XX/XX/2018. 
Their investigation concluded that inquiries are a factual record. Which I received on report # XXXX after their investigation. They also stated I need to contact the creditor from the information they provided for the creditor. 
The information for XXXX has no phone number and the address letter I sent was returned stating " unable to forward ''. The information for XXXX XXXX states a phone number of XXXX which when I called was not their number. I sent a letter asking for compliance to the metro2 compliance and did not dispute the items but asked if they can verify compliance which they state is true but the above examples clearly show they are not compliance of accurate information on my credit file.
Consumer complaint received 2022-05-03
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: Credit Control, LLC (AL)

Credit Control LLC XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX They have violated and harrassed me as they are a third-party credit collector and have called my home. several times and I have sent them notices of conditional acceptance to prove and validate that I owe a debt which is a violation of Article I section 10 clause 1 - Gold & Silver as coin only I reiterate, NO ONE TODAY CAN MAKE DEMAND OF PAYMENT IN ANY SPECIFIC COIN OR CURRENCY!!! This Bill of Exchange/Trade Acceptance I send is in accord with Public Law Chapter 48, 48 Stat. 112 and HJR-192 of XX/XX/1933 and the Uniform Commercial Code and is presented for the receiver to the federal Window, for settlement ( EFT ) within the 3 day Truth-in Lending time for settlement. As of 1933 a person has LAWFUL money of account to pay debts at law without becoming a tort feasor. ACCEPTED FOR VALUE and XXXX XXXX XXXX are lawful to discharge debt under Public Law 73-10, HJR-192 of 1933, Title 31 USC 3123, and 31 USC 5103 and by Treaty ; in this case the XXXX XXXX Convention on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX  ) and the XXXX  XXXX XXXX Headquartered in XXXX XXXX. 

I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2016 I had opened a credit card account which a balance of {$1000.00}. At the time I opened the account I was XXXX  years old and didnt know anything about credit. I now have a newborn son and need to fix my credit. I would like to fix my mistakes and try my best to get the negative mark off of my credit.
Consumer complaint received 2018-03-07
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: Experian Information Solutions Inc. (NC)

I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.