davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

Every year, when I attempt to obtain my free, annual, on line credit report from Equifax, I can't. I have never had any trouble procuring my report from the other two agencies, only Equifax. It is an annual event. After I provide all of my personal information, answer all of their security questions correctly, I'm then told that they will not provide my free annual credit report unless I mail in copies of my Social Security card, pay stubs with S.S. number on them, W-2 forms, Driver 's License, etc. The US Postal Service is not 100 % secure or dependable. More to the point, who knows if my personal information will be securely handled after Equifax receives it. Is it any wonder that Equifax sustained the largest, most damaging personal information data breach in history? It appears as though Equifax is attempting to dissuade citizens from requesting their free annual credit report by making the process as cumbersome and time consuming as possible, while opening up yet another avenue for an additional personal information data breach. Will you please demand that Equifax lives up to their obligations under the Free Credit Reporting Act, have them provide me with my credit report as required by the law, and admonish them to do so in the future on line every year without me being required to contact you, as does the other credit reporting bureaus? Thank you.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UT)

Citibank opened a fraud account in my name and has since illegally sold my information to XXXX XXXX. I don't have a letter anywhere showing where they even notified me that this debt was sold. I have requested that the letter with delivery confirmation be sent, which really wouldn't need for me to provide PII in order to prove that they sent the letter. I refuse to give my PII to any company at this point because of the fraud. 

These guys also closed out a CFPB complaint before it was even verified and resolved. These guys are just trying to get out of being accountable. 

I have included screenshots of my credit reports to prove that they did actually send this to XXXX since there seemed to be doubt that this was legitimate. They now need to provide me with a delivery confirmation of the letter allegedly sent informing me that my PII was sold. They never had consent to be doing anything with my PII. So, a signature is required on a contract to prove they had any right to be doing anything with my PII.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile I found inaccurate remark on my report that I want to remove from my credit report 1.XXXX  XXXX  the remark states that the account is a charge off. I am following up to get this corrected and classified as paid off. 

Also I need a conformation that are no freezes or alerts that on my credit profile
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (NY)

I attempted to settle a credit card debt from XXXX XXXX  for XXXX credit card in a fair, equitable manner with Tenaglia & Hunt, who apparently purchased this debt. I sent them numerous letters in order to settl
e this matter but they never answered my letters. I also called them but either got voice mail messages, got hung up on or was put on hold for ridiculous amounts of time Instead of negotiating with me in good faith they have sued me in XXXX County Court. 
The lawsuit was filed on XX/XX/2020. They only way that I found about this lawsuit is that I looked my name on the XXXX Court website and found this lawsuit. 
I am a XXXX XXXX XXXX and I do not have a job. I have been diagnosed with XXXX  and XXXX XXXX and am taking the prescription medication XXXX. 
This situation has caused my family and I severe XXXX. 
Tenaglia & Hunt never informed me that they were taking legal action and never tried to communicate with me via phone or mail.
Consumer complaint received 2022-09-14
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. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Consumer complaint received 2022-09-14
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. (NE)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Unauthorized charges were made to my credit card on the following dates : XX/XX/2022 {$250.00} XXXX XX/XX/2022 {$100.00} XXXX XX/XX/2022 {$430.00} XXXX XXXX XXXX XXXX, XXXX My bank conducted an investigation and declined my dispute by saying that I received benefits from these transactions and asked for proof/documents for the transactions that I didn't make.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is trying to collect a medical dept that is a result of Identity Theft. They are relentless. Will not respond. Continuous attempts at collection when this bill is not mine and I was never in an emergency room anywhere near the state or city they claim. 

This is a fly by night company clearly without any sort of legitimate operation. This bill is not mine, yet they are still trying to collect!!! 

Several attempts at stopping the collection resulted in sending the bill again and again. Will not respond to my dispute for clarification.
Consumer complaint received 2021-11-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2022-07-31
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. (FL)

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score.

I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.
Consumer complaint received 2022-07-31
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. (FL)

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I am writing to report multiple violatoins to the FCRA and to my rights as a consumer. Back in XX/XX/XXXX. I sent them a request for a debt validation which they ignored. 

I am demanding a deletion letter and the following item to be removed of my credit reports : WELLS FARGO BANK XXXX, opened XX/XX/XXXX, limit {$300.00}. Balance {$110.00}. 

If Wells fargo denies my request, I will take this to court, since they are commiting defamation of character and I am havin high levels of stress because of this issue. They have not even investigated or marked the account as disputed. It is my right to have this item removed, since they were unable to validate the debt reported under my name. 

Please send the attached documents to Wells Fargo. 

Thank you!
Consumer complaint received 2022-07-31
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 (NY)

On XX/XX/2018, AMEX added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. According to the FCRA, AMEX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

I have a student loan with National Collegiate Trust that is being serviced by AES ( American Education Services ). I filed for co-signer release on XX/XX/XXXX and still have not received any response as of today XX/XX/XXXX. AES states they have not received any response from the lender and that I can not contact the lender directly as AES is the servicer and NCT will not speak to me directly about my account. AES has re-submitted the request today but stated they can not guarantee that I will get any response to the second request either. It is outrageous that these companies are allowed to operate in this manner and completely ignore consumer requests while blaming each other for the inaction.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-09
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 — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC (NY)

Submitted disputes to all XXXX credit reporting agencies, in which a debt I did not recognize came back on my report. I sent a letter for debt substantiation directly to the debt collector listed with no response about said debt. In which the request for this information must be provided or the alleged debt shall be deleted.
Consumer complaint received 2022-07-31
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. (TX)

The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. Experian and XXXX XXXX I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection account. XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX XXXX on Experian XXXX
Consumer complaint received 2022-06-09
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. (NJ)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX XXXX and Experian. XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. Experian & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX XXXX XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX XXXX XXXX XXXX  AND The following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

There is a collection popping up on my credit for XXXX dollars for a apartment I never lived in or even had knowledge of. This address popped up last year on my credit saying I resided there. This was disputed, figured out and removed from my report on XX/XX/2021. I had neither lived in this place, visited or even applied to live here. Somehow this company has my information, I created a fraud alert for every company to know my identity has been stolen, nobody contacted me so Im not sure why this apartment was allowed.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

First, I have Capital One direct deposit. 
My complaint is about Capital One credit card Walmart. I had them for over a year. I have EXCELLENT payment history. The same day I made a complaint through this company for XXXXXXXX XXXX Capital One closed my account. They said I had a return payment in XXXX. That is why they closed it. I have my payment history. Hopefully I can include this. This is a bit spooky. I make like 5 or more payments a month. If I messed one up, in XXXX, is that a reason to turn off my account?
Consumer complaint received 2022-09-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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