davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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. (GA)

This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-09-28
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. (TX)

in according to the fair credit act XXXX  accounts XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction
Consumer complaint received 2022-01-27
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)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2022-01-27
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. (CA)

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experience due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (WI)

On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX.
Consumer complaint received 2021-05-14
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

Okay I Opened an Citi Bank Account and I Attempted to fund the Account with a Check but Was Told I Had to Wait 30 days Ok so after 30 Days I attempted to Cash a Check 60 minutes after I Cashed it They Closed my Account and then they aint even send me a notice of closure
Consumer complaint received 2021-05-17
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. (GA)

I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

On XX/XX/22 we received a inquiry alert form XXXX. This alert advises us that our an inquiry on our XXXX credit report had been opened. 
On researching, the inquiry was shown to be made by Bank of America. 
On XX/XX/22 we received an information package in the mail from Bank of America. It contain a XXXX XXXX credit card that has been approved and only needed to be activated. 
I have not and will not activate this particular card. 
My complaint is that I neither requested or desired to get this credit card. Also I am worried that someone else is accessing my personal information on the credit bureau in order to fraudulently use this card. I also want to know why Bank of America, XXXX, DE issued this card without my permission.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (DE)

I contacted Credit Collection Services because they are falsely reporting a XXXX account as collections when I don't owe them nor do I have a balance with XXXX. CCSalso never contacted me prior to this insertion. I called XXXX and was told the only thing I can do is print out the account showing XXXX balance. CCS told me there's a balance and they aren't removing it. I have access to my old XXXX account which shows XXXX balance. I have no business with CCS, and they are refusing to delete this negative reporting off of my credit profile. 
I contacted them by phone today XX/XX/XXXX, as well as XXXX. I received a notification that a collection was added to my credit profile on Saturday XX/XX/XXXX. The Collection states I have a balance of XXXX to XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (FL)

I have to 2 credit card accounts opened on my credit file fraudulently I have been goin back and fourth with XXXX  for 9 moths the other credit bureaus XXXX and XXXX removed the fraudulent files ... XXXX keeps staying its accurate but when I contacted the original lenders they cant even prove my identity. The accounts was opened online they stated and didnt have much of my accurate info so thats why its fraudulent opened accounts ... Please this has been dragging my credit score up and down thru the mud its already bad we are in a pandemic please help me
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

Agreed to a 12 month settlement agreement with American Express. The offer was to settle for {$1000.00}, spread out over 12 months, for payments of {$87.00} per month. The settlement was set up as automatic payments through my debit card. After my 10th payment, my debit card was scammed and I had to get a new debit card, with new card number from my bank. Immediately after receiving my new card, I called American Express and explained that I needed to change my card number on file, so that my last 2 payments could be charged without any issues, kickbacks or delays. I was told that the way it would be handled was the original settlement agreement would be closed, and a " new '' settlement agreement was set up with my new card number, for the last 2 payments. The final payment was made to my card in XX/XX/2021. It has been 2 months and there is still a balance of {$1200.00} showing up on my credit reports. I have tried to dispute this several times, and the dispute comes back as " verified as correct ''. I then tried to call American Express to ask what was going on and was told that I still have a balance because I did not make the payments on time per the settlement agreement. How did I not make the payments on time if they were automatically charged to my debit card by American Express? The response was that the last 2 payments were not made. I explained the situation with my debit card, and was still told that the year 's worth of payments that I made did not count towards my settlement agreement and therefore I still owe the remaining balance, and that's why it shows up on my credit report. When I click the email links to view the full terms of the settlement agreement, I get an error message that says " this page is not available '' so I can not even prove to them that they are violating my settlement agreement. I made all 12 payments, as agreed, and they are fraudulently breaching the settlement agreement and reporting an untrue balance. This needs to be updated immediately or I would like a refund of all payments made.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act XXXX Account Inquiries below 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. Below is a list of unauthorized inquiries I have repeatedly disputed with Equifax and they refuse to provide me with verification because there is none. I never submit to these fraudulent inquiries. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX and XX/XX/XXXX, orders were placed with XXXX XXXX for the amounts of {$4300.00} ( order # XXXX ) and {$4200.00} XXXX order # XXXX ), respectively. Both of these orders were returned and the money was sent back to my account ( which can be seen in the attached documents ). On XX/XX/XXXX, these same amounts were charged to my account. 
I filed a dispute with PNC and they gave me provisional credit. On XX/XX/XXXX, I spoke with a representative who told me that I would be receiving a document in the mail that needs to be filled out and faxed. I received that letter on XX/XX/XXXX. Then on XX/XX/XXXX, the dispute was closed stating that I did not give the proper documents when requested. I called PNC and told them that they did not give me a reasonable amount of time to send in the paperwork and they said my only recourse was to open an entirely new dispute, but this time I would not be receiving provisional credit. This put my account negative {$8000.00} which also accrued fees day after day. 
While the dispute was happening, they decided to close my account because it was negative for too many days. I then went to my local branch on XX/XX/XXXX to ask what was happening. I was told that the account was closed but the disputes were still active and a letter was sent to me on XX/XX/XXXX requesting additional information. Again, I did not receive this letter but I was able to fax the documents with the PNC associate in the branch. Today on XX/XX/XXXX, I was on a conference call with a PNC associate and two different XXXX XXXX employees. Neither of the XXXX XXXX employees in the customer service nor the disputes department knew what these second charges were and did not see any record of the refunds being taken back. The PNC associate I had on the phone confirmed that these charges I received on XX/XX/XXXX were not new charges, but the reversed refunds. 
I asked the associate if we can rule in my favor in regards to the dispute and she said it is up to me to go to my local XXXX XXXX to try to resolve this further. They also mentioned that if they don't hear back from XXXX XXXX, they will close the dispute and leave me with the bill. Again, XXXX XXXX 's disputes department did not see any record of this refund being taken back. I believe this is PNC 's way to hand this off to me after they were given everything they needed in order to charge this back and settle the dispute as resolved. 
This issue has not only caused my only checking account to be frozen, but I also cant open up any other accounts at financial institutions until this matter is resolved.
Consumer complaint received 2022-04-11
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help