davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/2021 I purchased 4 Vanilla Visa gift cards from XXXX. On XX/XX/XXXX, I discovered all the money had been charged off one of the cards by someone else. I immediately called Vanilla Gift Card company to explain the situation. They opened a case and said I would receive an email from them. I never received an email so I called them again the next day. During this call I requested their email address so I could send them a copy of the receipt along with the other items they requested. Shortly after the call I emailed those items to the email address they provided. Since that time, I have repeatedly asked them if they received the items and if they were processing a refund or a new card. I have not received any response. 
They assigned case number XXXX to this issue.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was offered a secured line of credit with Bank of America. I was asked to pay a deposit of {$200.00}, was told that after a few months, usually 6 months of good payment history, I would get an increase on my credit limit, and that after 12 months, I would get my deposit back. Neither of these promises took place, instead, Bank of America closed my credit line without any previous notice and has never returned my {$200.00} deposit and my payment history is/was excellent. The line of credit has been closed for a few months now and I have yet to received my {$200.00} deposit.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have received a letter that the bank is closing my savings account. I've been in this bank since it was XXXX XXXX XXXX in 1968. Letter states we decided to close your accounts but the refuse to ste why they are closing it. They are not closing my business account which is linked to it. There was a small checking account linked to it for 5 years that was never used and my bank manager closed it out for me a couple weeks ago. Then this happened out of no where. I currently have over {$120000.00} in the account. My current credit is over XXXX
Consumer complaint received 2022-04-19
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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
Consumer complaint received 2021-11-10
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. (LA)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have filled on Experian several times, the last time XX/XX/2021 to have the account XXXX XXXX XXXX to be removed. It is not my account nor I have knowledge of the account. On my credit report it has the account is charged off {$1.00}, XXXX written off {$1.00}, XXXX past due as of XX/XX/2021. 
On my accounts I have never made a late payment. I should not be liable for an account that is not mine.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (VA)

This is in relation to the complaint i made to the CFPB earlier. 

ID : XXXX The Response from the bank is not to my satisfaction. Let me explain the problem better.

I requested the bank manager to deposit a cashier 's check from a tenant into my account.

The check was issued in the tenant 's name, but the tenant had sign the back of the check.

This is a common way to do real estate transactions.

The bank manager refused to deposit the check and asked me to leave. This is refusal of banking services by the bank. As they have untrained personnel managing these branches.

It is the Bank 's responsibility to make sure only trained personnel are bank managers. 

I walked over to XXXX XXXX, where I also have an account and they accepted my check.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-04-19
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. (TX)

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX Capital XXXX XX/XX/2021 XXXX have written Equifax, XXXX, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DC)

On XX/XX/2021, I sent Great Lakes a letter stating that the loan on file for {$44000.00} is not correct and demanded a removal off my consumer report. They followed up on XX/XX/2021, by stating the debt was paid in full, closed, paid, and the balance as '' XXXX ''. Great Lakes violated 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ). Take further notice that Pursuant to 15 U.S Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval stating that someone other then me a consumer, in fact, is the creditor when I am the creditor Pursuant to 15 U.S Code 1692a ( 4 ).

Great Lakes has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has said so under 15 U.S Code 1602 ( p ). The term " unauthorized use '', as used in section 1643 of this title, means a use of a credit card by person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the cardholder the natural person.
Consumer complaint received 2021-12-18
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. (MN)

On XX/XX/XXXX, I received a copy of my credit report from Equifax. That report included the following information, furnished by you : 120 Days Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under the required proof of Adequate Federal Reporting Compliance, such as Metro 2 and the Fair Credit Reporting Act standards, Im requesting XXXX XXXX XXXX XXXX affirm and confirm the creditor classification codes, the exact and complete sequenced Metro 2 data formatted 426 character P-6 statements, as well as all applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect, each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non-transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged. 

I do not consent to E-Oscar reporting and am requesting evidence of every alleged late payment. Every Late Payment reported against me needs to be in compliance with Metro 2 compliance standards. 

Federal Privacy Act of 1974- 5 U.S. Code Section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens. 

I wish to know if your office- XXXX XXXX XXXX XXXX has violated Minnesota or Federal Privacy Laws by providing or giving permission of the above-referenced matter to Equifax. 

Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies. 

This negative information is damaging my credit. Please promptly contact Equifax and remove this information from my credit file immediately. 

Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Consumer complaint received 2022-08-03
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)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-04-19
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

1.XXXX  XXXX XXXX XXXX 2.XXXX  FINXXXX XXXX 3.XXXX  XXXX  XXXX XXXX  - XXXX XXXX 4.XXXXXXXX XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I was driving for a XXXX and one of my rider started begging me for money since he had reached his day limit of XXXX and in return he wrote me two cashier checks of {$550.00} each then i made sure the amount of {$1100.00} reflects my account so I gave the rider {$900.00} in cash. on XX/XX/XXXX Chase bank subtracted {$1100.00} from my account claiming that the check were returned or stopped by the issuer. I have attached the copy of the checks, the fraudsters account belongs in XXXX XXXX  their info is on the check. The fraudsters number is XXXX, his name shows as XXXX on the XXXX account. 
If hadn't shown the check has been cleared i would have never given him {$900.00}. if there were no banks I would have never gotten into this mess in the first place. Thank you
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I am a XXXX XXXXXXXX on XXXX I received payment from buyer on Venmo.Venmo froze my account XXXX in it stating that the had fraudulent transactions after I sent all information from XXXX showing were I sold XXXX  so I am out of my XXXX and out of my payment for the XXXX because Venmo continue to hold this has been Since XXXX Venmo are scamming people over XXXX account are on hold they need to be shut down
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Since XX/XX/XXXX I tried to withdraw a money from my account thru a check I drop since 2 weeks before. After they told me they need some verification and I did everything but until now they not releasing the money and cant use the account the total amount in my Truist account is XXXX $ I would like to have access to my account or have my cashier check ready to go bank with another company
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (PA)

I sold my house and a Pnc XXXX XXXX XXXX was to be paid in full. This was included in my XXXX decree. XXXX XXXX XXXX submitted the payment for the loan to be paid off the date we sold the house XXXX XXXX, 2021 in the amount of XXXX check number XXXX which was received by pnc. I have made multiple calls spending many hours on the phone with them and getting nowhere. It was on an automatic withdrawal on the XXXX of each month. They charged me last month with a fee because the money wasn't in there but they did reverse it so now it's probably going to happen again.
Consumer complaint received 2022-09-30
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)

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (TN)

Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!