davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (TX)

The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " XXXX XXXX ''. XXXX  the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/21, I contact Citi customer service to confirm my payoff. I spoke with customer service representative ( CSR ) ( XXXX ) and confirmed my credit card payoff balance was {$10000.00}. That amount was confirmed with the CSR as the total amount I owe to bring my account to XXXX. A check for the entire payoff was mailed to Citi prior to the due date of XX/XX/21. The check was paid by my bank. On or about XX/XX/21, I received a statement from Citi with a balance of {$240.00}. On or about XX/XX/21, I spoke with CSR XXXX, and was told he would override the charges to reflect XXXX based on my communication with the previous CSR confirming the payoff amount and my having paid the account balance in full. On XX/XX/21, I received written communication from Citi that it was determined that my account was not eligible for a credit, essentially meaning my account still had a balance, although I had paid it off, with no new charges in over a year. This was not in line with what two Citis CSR had previously communicated. I paid this account in full based on my communication with Citis representative and my records, including a check. If Citi wanted to dispute the payoff that should have been done prior to my making the payment. The CSRs never communicated an additional charge would be reflected on my account.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Hello, every SINGLE account was closed. All 14 of them. No notice. No phone calls. No level of anything. My accounts are all paid correctly, on time, and I am have extremely low credit utilization and to be told by a customer service agent that I am a HIGH CREDIT RISK does not face muster. I will not pay another single dime until ALL my accounts are promptly reopened. I will retain legal services in the process.
Consumer complaint received 2022-08-02
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Climb Credit Inc. (MA)

In accordance with the credit reporting act this creditor has violated my right under 15 USC 1681. Section 6 O 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 or also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-23
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: GOLDMAN SACHS BANK USA (TN)

My Apple Card information was used I went to the XXXX  store where it was used at and XXXX the head lead couldnt find anywhere where my card was used and searched for anything bought with my email and there was nothing however when I was working clocked in serving tables in a different city my card was used for XXXX $ And I did not make that purchase or authorize it I was working
Consumer complaint received 2021-09-23
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. (PA)

Hello, my name is XXXX XXXX and I am submitting this complaint myself and no third party is involved. I recently discovered that there is unauthorized accounts in my name being used and reflecting on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit reports and should have been alerted to the information being authorized on my reports and I'm requesting that they be deleted/removed from my credit report as soon as possible. These items are fraudulent and having a crippling effect on my relationship with creditors. Please removes the disputed items as soon as possible. Thank you.
Consumer complaint received 2021-12-17
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. (LA)

I am filing a complaint under FCRA and fair credit and billing act as I saw these inaccuracies in my report and have asked for full validation and what rights does the company have to collect on these accounts. 

XXXX XXXX Reported : XXXX XXXX, 2021 {$970.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$410.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$210.00}
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

Hi. I received to emails today XX/XX/2021 saying I created an account with Transferwise & that I sent money. I did neither of these things and this company has no contact info so I cant get into contact with anyone. My email used is XXXX. {$620.00} dollars was sent to someone named XXXX XXXX. This is fraud.
Consumer complaint received 2021-09-22
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: ERC (FL)

I have sent multiple disputes and erc is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (WI)

THE INVESTIGATION WAS TO BE CONCLUDED AS OF XX/XX/XXXX XXXX AS STIPULATED BY EXPERIAN, NOW THEY JAVE FRAUDULENTLY STARTED ANOTHER CLAIM IN ORDER TO CIRCUMVENT THE SYSTEM, THE INVESTIGATION WHICH WAS TO BE CONCLUDED AS OF XX/XX/XXXX WAS NEVER RELAYED TO ME AS THE CONSUMER, I HAVE NOT BEEN GIVEN THE RESULTS OF THE INVESTIGATION FROM XX/XX/XXXX TO XX/XX/XXXX, I HAVE NOT BEEN GIVEN ANY PROOF OF INDEBTEDNESS FROM EXPERIAN. THEY ARE ATTEMPTING TO USE MY COMPLAINT AS A MEANS TO OPEN ANOTHER DISPUTE, WITHOUT GIVING ME AN ANSWER AFTER I HAVE WAITED IN EXCESS OF THE 30 DAYS, THE ALLEGED CREDITORS FAILED TO PROVIDE PROOF. I WANT THE STATUS OF MY PREVIOUS DISPUTE. I CAN NOT INITIATE A NEW DISPUTE WITHOUT KNOWING THE STATUS OF MY PREVIOUS DISPUTE.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I moved and did not realize I owed on my cable bill. The cable company XXXX XXXX sent me to collections. I have since paid the account off in full. I have the bank records as well as the confirmation number they gave me at the time of payment. I have called them and they confirm I paid in full. I have directly disputed these charges with Transunion many times at least 5 times over the last several months and they still show me as owing this bill and as it being in collections. I called them and they say it takes time. Please help.
Consumer complaint received 2021-12-17
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. (MS)

In XXXX of 2021 I filed a dispute with Equifax about the unverified account.Account number XXXX of {$130.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-12-17
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. (MO)

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address, inquiry, credit card and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.
Consumer complaint received 2022-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX XXXXXXXX XXXX Capital one finance XXXXXXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.
Consumer complaint received 2021-09-22
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. (NY)

Earlier today I submitted a complaint against XXXX and included Equifax. There is only enough space to upload so many documents. 
This complaint is against Equifax and I will include XXXX but will be uploading evidence from Equifax. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of Education XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by Equifax today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. Equifax only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.
Consumer complaint received 2022-08-23
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: SYNCHRONY FINANCIAL (NC)

Unfortunately, my wife filed the first complaint under her name XXXX XXXX and I am the card holder, XXXX XXXX. I have been ill for over two years and she is my power of attorney and handles all this for us. Her complaint number was XXXX filed on XX/XX/22 with all the pertinent information about two outdoor ceiling fans ordered from XXXX that we did not order or receive or have any place to hang them. We have already cancelled our credit card with Synchrony and paid all the charges we made in full and refuse to pay for something we did not order or authorize or receive.
Consumer complaint received 2021-09-23
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, SYNCB/ SAMSDC add a derogatory mark on my credit report per XXXX XXXX and XXXX XXXX XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this accused debt. Firstly Debtors creditors did not verify this debt at all, secondly this account is reporting so many Inaccuracies, incorrect date opens. Is reporting, date opened/ closed on XXXX is totally different from date opened/ closed on XXXX, this account also reporting that it is closed/sold. 
Not only that but the past due amount reporting is inaccurate from the monthly payments, also As required by the fair billing act, as a consumer I was supposed to be sent a bill in 21 days period or window and which I did not receive from sams club, and this is a violation according to the fair Billing act. A bill without a signature does not validate the debt and anybody can report a bill and says it mines. 
According to the FCRA Law [ Sams Club ] and Credit Bureaus [ XXXX and XXXX ] has violated my rights as a consumer and I am requesting legal actions to remove this account immediately
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optimum Outcomes, Inc. (NC)

On XX/XX/2021 I filed a complaint against OPTIMUM OUTCOMES INC because of an alleged debt. I sent OPTIUMUM OUTCOMES INC a cease and desist as well as an invoice for the violation. OPTIMUM OUTCOMES INC closed out the alleged account and stated they would honor the cease-and-desist letter but not my remedy. Last week I received ANOTHER letter from OPTIMUM OUTCOMES INC asking me to pay another alleged debt, which dated, XX/XX/2021. I did not give OPTIMUM OUTCOMES INC my consent to communicate with me, once again. Accusing me of owing this alleged debt is obscene and profane not to mention a violation. I am enforcing my rights as a consumer for the damages by OPTIMUM OUTCOMES INC. pursuant to 15 USC 1692k. Pay the attached invoice and compensate me for every violation labeled in the attached exhibit.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2022 I received notification by email that my credit card was cancelled due to non-use. I immediately pulled up my USAA app and reviewed all the documents that were recently sent. After seeing that a cancellation warning had not been provided, I called USAA to have my account reopened. I was informed that my account could not be reopened and that I should reapply. The representative stated the notification was generated on XX/XX/XXXX and did not acknowledge why the document was not showing in my USAA app. Im concerned that USAA may be generating cancellations warning and not truly sending the letters out to customers. 

After being told the issue date of the cancellation warning I validated my email was correct, checked my Spam, junk, and deleted folders and could not locate the warning letter. 

I have attached a screenshot of my app showing that no disclosures were received on or around XX/XX/XXXX XXXX
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A-L FINANCIAL CORP (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )