davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-07
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: Westlake Services, LLC (FL)

XXXX XXXX  In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (VA)

I got a mail from Citibank with a reference number XXXX. Basically it tells my citi checking account will be closed. It didn't explain the reason but leave a contact phone number XXXX letter is generated on XX/XX/2022. I got it in mailbox after XXXX holiday. I called the phone number on file multiple times on XX/XX/2022. The representatives are really vague. They asked me to call different number to get transferred to corresponding department. I've been asked to call on XXXX, XXXX, XXXX, XXXX. It's endless loop to being transferred. Many agents give a number of XXXX named Security Team. But they are only open on Monday to Friday. I called them on XX/XX/XXXX, Monday. The representative tell me to go to a local branch to solve this issue. I did emphasis that it's a XXXX hours oneway driving from home to nearest local citi branch so that I don't want to waste time if going to branch won't change anything. He promised that the branch can handle my case and gave me the same reference number XXXX. I arrived in citi branch around XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. The banker also know nothing about my case. She helped me to contact customer support through internal line but still didn't get answer. I called the same number XXXX on my phone. The agent over phone saying it's not her department to deal with my issue. Based on her instructions, the banker find the description in citi system that my account with manual review and must be closed. Still I got no specific reason. I got mad because the fact Citi fooled me. They asked me to come to a local branch over the phone but to be proved just waste of time. I wasted hours of calling over phone and XXXX hours of driving round-way due to Citi 's fake promise. This is completely fooling customer.
Consumer complaint received 2022-07-29
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 Account # 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-29
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)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX EQUIFAX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. 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 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

I first received notice of the debt on XX/XX/2022 via phone call at XXXX XXXX. The company claims this is a debt of {$76.00} to an internet provider for an unpaid bill. Note that I had never even received notice from said internet provider for this bill. I requested verification of said debt, provided the company with my current address in order to receive letter verification of the debt, and the call ended. I have still yet to receive verification of this debt. On XX/XX/2022, the company reported my debt on my credit report and dated it XX/XX/2022. 

This company has not been able to provide debt verification, is still attempting to collect, and has reported incorrect information.
Consumer complaint received 2022-12-07
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: Sunbit, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-29
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. (CA)

I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the XXXX XXXX XXXX XXXX XXXX or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Genesis Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I want to try Paypal so I made an account today but I'm surprised that they dont want me to own an a Paypal account.. This is my first time using it and they already permanently limited my account.. I was starting my online XXXX XXXX and I need a Paypal account so that my future clients will send their payment thru Paypal..
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (AZ)

XXXX XXXX and Equifax have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below.

The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.
Consumer complaint received 2022-12-07
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. (MO)

I discovered that some of the information on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.
Consumer complaint received 2022-12-07
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. (MN)

I have read that Equifax is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physically & financially ... and I would truly not what to pursue a legal remedy ... DELETE this account instantly : XXXX BANK XXXX XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (CT)

M & T Bank acquired Peoples Bank where I had 2 accounts plus a safe deposit box at a XXXX XXXX XXXX. The safe deposit boxes could not be accessed except by appointment ( I believe they are closing the branch ), so I made an appointment on XX/XX/XXXX to come down and empty out my box and I chose not to get a new box. 

On XX/XX/XXXX ( after the merger ) M & T charged me {$65.00} rent for a safe deposit box ( that I no longer had ). I called customer service several times and emailed the local contact at the closed branch, but no one knows how to credit me the {$65.00}, or how to stop future charges.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

Chime provided emails XX/XX/2022 Monday, at XXXX stating my accounts were closed without my consent due to Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022, and stated the accounts were not comply with internal policies and/or the member agreement. I disagree with that decision given I have never did any kind of suspicious activity on my account ever. I use this account strictly for my direct deposit from XXXX XXXX, and the company refuses to acknowledge that a mistake was made in closing my account. I am seeing a lot of the same issues with others online stating chime also closed their accounts when they are not also committing any suspicious activity on the account to warrant a sudden closure. I've had several escalated cases submitted to Chime in hopes of a response time given to me of 24 hours. The company continues to ask for me to email a copy of my photo ID to send a check within 30 days however I can not receive a check at the mailing address due to mailbox issues with my complex thats been going on for 3 months. I am extremely upset with how this bank is handling business and a history of shutting down the wrong accounts when looking for activity. I have documents explaining every transaction on my account and deposits. I am not sure why Chime chose to close my account along with several innocent others.
Consumer complaint received 2022-12-07
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: BARCLAYS BANK DELAWARE (NM)

XXXX XXXX XXXX ( " Brokers '' ), and XXXX XXXX XXXX XXXX, ( " Carriers '' ), failed to deliver all my items as promised within 30 business days. I disputed a {$750.00} credit card charge against Brokers for breach of contract and loss of property.. When Carriers finally arrived with my property on XX/XX/2022, Complainant paid carrier remaining {$800.00} balance, plus gave Carriers a {$750.00} money order payable to Brokers as replacement and settlement for the disputed credit card charge, otherwise Carriers and Brokers would hold my property hostage in a storage facility until I paid remaining balance. The Broker received and deposited the {$750.00} money order plus another {$750.00} from the credit card charge because Broker refused to notify credit card institution that they received full payment and the disputed charge was reversed. The Broker willfully and knowingly is double-dipping, receiving {$1500.00} when they are only entitled to {$750.00}.
Consumer complaint received 2022-12-07
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: Nelnet, Inc. (MI)

In Accordance with the fair credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-29
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. (AK)

I was a victim of the Equifax data breach of XXXX and the XXXX XXXX XXXX dividend data breach that happened on XX/XX/XXXX because both Equifax and the XXXX XXXX XXXX dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXX XXXX  Acct # XXXX {$870.00} XXXX  Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX {$3900.00} XXXX  XXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX  Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX XXXX  XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well