davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (OK)

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached US Bank just added this last year.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KY)

I recently changed insurance companies for my home insurance. I have a mortgage and escrow through US Bank. I received a letter stating that I no longer have home insurance and they are going to force place it. There was never a gap, I have had home insurance the entire time but I switched companies.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.
Consumer complaint received 2021-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-24
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: WELLS FARGO & COMPANY (NY)

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 2022-09-27
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. (CA)

In accordance with the Fair Credit Reporting Act ( XXXX ) XXXX  XXXX - Account # 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 an account without my written instructions. }
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

This amount {$360.00} from XXXX XXXX was charged off XXXX. It is now being reported by Transworld Systems as of XX/XX/2021 with age of account 9 months old! This is ILLEGAL to reage an account. This caused my credit score to drop significantly from all 3 bureaus.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (AZ)

I, natural man consumer, hereby demand to OPT OUT of negative reporting of Late payments/ transactions and experiences ( utilization ) of my nonpublic personal information pursuant to 15 U.S. Code 6802 ( b ) I demand that you Discover stop reporting late payments to credit agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other credit agencies. The only Credit Bureau is the CFPB. I have a open-credit plan and it can not me late. Remove any false or deceptive reporting immediately. You, Discover, are casing harm to me pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information.
Consumer complaint received 2021-06-23
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2022 I received a promotion w/ a link from Citibank XXXX for a 12 months No Penalty CD w/ 2.25 APR. The link took me to the bank wed side. I opened the CD for {$17000.00} dollars, ending in XXXX then I realized the CD default in the link was a 12 months Penalty CD w/ 2.00 APR. I called Citibank 1 minutes later, the bank informed me that I need to waited 24 hrs for the CD to show in their system, it was a Friday. I call XXXX, XXXX, Monday 2022 to XXXX XXXX they told me to call XXXX, the agent told me to call XXXX. At the last call they told me that they can not change my CD, because I need to wait 30 days, and I was going to be penalize {$170.00}, even thought I call with in 5 minutes of the CD been opened. This was a misleading advertising by City. First they sent me a link with a promotion and then the link took me to another promotion. In the XXXX XXXX XXXX XXXX XXXX spoke to XXXX ID : XXXX supervisor, refused to give me her last name. 

PS : Be advised that you closed my previous complaint XXXX, under the argument that it was not me.. This is my phone XXXX XXXX XXXX, XXXX, in case you want to contact me. thx
Consumer complaint received 2022-09-27
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. (MI)

XX/XX/2022 I the ( consumer ) contacted Equifax consumer reporting Agency in regards to inaccurate information found on the consumer report addresses, names, employment, and inaccurate account reports. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) consumer reporting agency must have permissible purpose in which they don't have written instruction to make a consumer report by the consumer. I want Equifax to delete all inaccurate information there's also inquires that I didn't benefit from or have any knowledge of whereas no consumer credit transaction was made reporting on the consumer report as well. Delete all inaccurate reports/ accounts within the next 14 days please it is your grave responsibilities to protect the consumer right to privacy. Thank you!
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

On XX/XX/XXXX2022 I called EDfinancial, my loan service provider regarding a refund on the payments I made during the pandemic on my student loans ( {$3500.00} in payments made during the pandemic ). I requested a refund on XX/XX/XXXX and the representative told me I should expect a refund within a month. I called again today XX/XX/XXXX2022 at XXXXPM checking on the status of my refund and whether my balance will reflect the total summary by the time the loan forgiveness kicks in. I was told by this new representative that my refund will now be processed within 150 days and no status update has been given regarding my loan account balance reflecting the full balance in order to have the entire amount forgiven under the loan forgiveness plan. My current loan account balance is stated at {$12000.00}. I had a total loan amount of {$15000.00} before payments. During the pandemic I made a total of {$3500.00} is payments towards the principal amount bringing it down to {$12000.00}. I requested a refund on the {$3500.00} in payments I made and I also requested my student loan balance accurately reflect this in order for me to have my full amount fully forgiven.
Consumer complaint received 2018-08-13
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)

The information that is being displayed on Equifax credit bureaus report for my information is wrong and invalid. The other two bureaus have removed false information about my credit file. I have sent countless letters to Equifax and they will not remove the inaccurate items. I have been a victim of Identity theft. My information has also been taken from there own data breach which they have clarified themselves. If you could please assist in helping me remove the inaccurate item from my profile that would be great. 
XXXX XXXX- {$2400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX- {$750.00} and all hard inquiries before 2018
Consumer complaint received 2022-06-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts below, has violated my rights. 

INQUIRIES : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/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 a account without my written instructions Delete all inquires
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX I disputed the account. In XX/XX/XXXX I have talked to Capital One Auto Finance dispute office. I have filed several disputes and received no response. 
I did not make any late payments and this company reported my Capital One Auto Finance report late since XX/XX/XXXX. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company is also not allowing me to exercise my experiences which is violating pursuant to 15 USC 1681a 2.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I was mailed to my home an offer for new customers. I had to open a checking a checking account at CITIZENS bank and receive {$300.00} With the same offer, open a savings account and also receive {$300.00}. " XXXXXXXX XXXX {$600.00} FOR SWITCHING BANKS. After not receiving the money, I went my bank manager who assured I was qualified to get the money. He sent a formal complaint to and said Citizens that was all he could do. The bank would call me or just deposit the money. That was XXXX. The case number if XXXX. My manager said this has happened a lot with this advertising. I still have heard nothing. This is a type of fraud.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/22 I was notified a credit card issued by USAA was onmy credit report. After many phone calls with the reporting agencies, i was able to have that corrected. 

-The PROBLEM : The issue is that USAA has established a profile on me, from over 30 years ago, A profile in which " I '' have had NO accounts with USAA XXXX 30 years ago, they said I requested " info '', but that was the extent of the inquiry. " I '' have NOT opened ANY USAA accounts in my life. 

-PROBLEM Cont. : USAA is REFUSING to delete " MY '' profile. If this back is regulated, what gives USAA to maintain my profile, which USAA issued a CREDIT CARD to a Criminal, and NOW, they still want to maintain MY DATA on their servers? USAA were the one that FAILED in this issue, by ALLOWING a criminal, to open an account in my name, and then send it to an address I have not lived in 15 years, the sent AGAIN, to an abandoned hotel, in a state I DONT EVEN LIVE. 

USAA FAILED to protect MY data before, and they SHOULD NOT be allowed to maintain MY DATA against MY WISHES. That is MY DATA, MY INFORMATION, NOT USAA 's.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A. (VA)

Klima , Peters & Daly , P.A . Debt collector is trying to collect a debt which is not mine. Ive talked with them re the debtor who has the same name but a different address. They offered no solution. As in the past, they will sell the debt to another agency without changing the address and this 10 year cycle continues. 

Ref XXXX
Consumer complaint received 2022-09-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

Disputed with the company on XX/XX/2018 and again on XX/XX/18 in regards to the inaccurate information reporting on my consumer report. It is now XX/XX/2018 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XX/XX/2014 Portfolio Recovery purchased this XXXX XXXX account Attempts have been made to advise PRC that this account was taken out without my knowledge or consent. I have been looking for any paperwork with my signature on it and it has not been provided. 

This debt is time barred at this point.
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC (KS)

I received a letter dated XX/XX/XXXX after repeated phone calls and I told them I did not have an account with this bank in Missouri. They want me to pay a debt of {$1300.00} and the letter came from Glass Mountain Capital trying to collect a debt from XXXX XXXX XXXX XXXX. I want the collections to stop.
Consumer complaint received 2022-09-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 2022-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings (TX)

Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX  driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.