davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not.

I need help resolving this so I can get my fico score back up. 

Company XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2022-08-12
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 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.
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 Account # 's XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I never gave EQUIFAX my consent nor written instructions to furnish these accounts and inquiries onto my consumer report. Thats a violation of 15 U.S. Code 1681b permissible purposes of consumer reports ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Since the accounts and inquiries are deleted, a deletion is admission. EQUIFAX willfully failed to comply with the requirements imposed under 15 U.S. Code 1681n ( b ) civil liability for willful noncompliance. My consumer report was damaged and I am seeking monetary relief. The evidence as well as my invoice is attached. I expect to hear from EQUIFAX or EQUIFAX 's lawyer soon to get this matter resolved.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ;
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. (VA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc. (NV)

A criminal broke into my unit and stole my XXXX XXXX  among other valuables. Inside my safe were items such as blank bank check books, ID Cards, and other personal sensitive documents. 

The criminal used my blank checkbooks to cash the checks at a XXXX. I received a letter from a collections agency stating that I owed {$1100.00} for the fraudelent check.
Consumer complaint received 2022-12-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (NM)

All of last year my child tax credit I should have gotten {$800.00} a kid totally up to {$2400.00} a month I only received {$800.00} a month only one month I received XXXX the beginning I also didn't get my unemployment covid back pay although I was approved for the covid-19 unemployment and my last day of appointment was the regular date that they started giving an employment I don't know why I wasn't approved
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I would like for the CFPB to look at the mortgage assignments. 
This agency will note that the mortgage documents are fraudulent. 
The Lender has used court adjudicated Robo-Signers and other unauthorized persons to create a Chain of Title in the mortgage assignments.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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. (MO)

In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX *XXXX  XXXX 15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

I was called repeatedly from synchrony bank to collect a debt after I had told them I had lost my job due to Covid and was trying to make payment agreements with them. 
They called me close to XXXX times after I told them please dont call me while Im at work and told them the hours I worked they continued to call me while I was at work and leave voicemails. I paid one of my synchrony bank accounts off via a settlement agreement and they entered into a settlement agreement with me regarding another one after I started paying on the second settlement they backed out of the settlement agreement. They refused to accept any payment plan when I attempted to pay them initially and continually harassed me and doc my credit each month by reporting that as delinquent. When they were paid off in a settlement for one of the accounts. And the second account they had been partially paid for the settlement yet they still report that debt inaccurately. I told them I was affected by Covid and I asked to have my debt deferred which they refused to do. And they continue to report one account as not settled and it was settled. From XXXX of last year synchrony bank called me numerous times leaving voicemails using A Robo dialer to harass me while I was at work.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these aacounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX* Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

LexisNexis appears to have compiled and disseminated incorrect information about me into a record provided to XXXX, and have made it difficult to understand which erroneous information is contained. The company also provided false information in that it denied being the source of verification questions provided to XXXX.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IN)

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, XXXX, Lexis Nexis and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MO)

Payments totaling approximately {$18000.00} were scheduled to be delivered by XX/XX/2022 for my payees via XXXX XXXX. The payments were allegedly sent on XX/XX/2022. XXXX of the payments never reached my payees and the checks never returned as undeliverable. US Bank does not have evidence to prove the checks were sent that they can share with me. 

Supposedly checks # XXXX and # XXXX were mailed but there is no proof they can provide. Other checks were delivered only two days ago to other payees. 

I suspect the Bank did not even send the check timely or at all in a scheme that allows them to use the money on the markets such as XXXX XXXX for their own gain. A total of approximately {$18000.00} has not been delivered timely - over 20 days whereas normal delivery time is 2-3 days. 

Both me and my clients are experiencing more than inconvenience as this type of transactions affects time and money in a financial environment where time is money.
Consumer complaint received 2022-08-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached equifax report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Consumer complaint received 2022-08-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been trying to work with XXXX over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My Business Acct and Personal Acct were attacked / accessed on XX/XX/XXXX at a Wells Fargo ATM machine while the cards were in my possession locked up at home, I never used an ATM in 20 years with this bank. 

Total funds withdrawn are {$20.00} at XXXX, {$680.00} at XXXX. ( Total XXXX ) According to the Well Fargo service rep, the bank provides this service, that, if you forget or lost your card and need money you can call some Customer Service number and they provide you a temporary PIN to access an ATM to get money. Also found out the bank raised the min withdrawals up to {$710.00}. This occurred 3 times, XXXX, XXXX, XXXX, on XX/XX/XXXX without customer verification, validation. 

I am out {$700.00}, discussed with the bank, and they are not being corporative. In addition, the bank rep stated, that they have had so many of these issues, that they are planning to terminate this failed service on XX/XX/XXXX. 

I reported it to the Sheriffs Department in XXXX FL, and they are looking into it, it is not the first case for them. Case XXXX, Identity Theft, Fraudulent use of Personal Information, XXXX -- -- -- -- -- -- -- -- -- - Beware - Worst Banks To Deal With -- -- ->. XXXX Web inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What are the worst banks to bank with? 
Wells Fargo & Company was ranked as the bank with the worst reputation in America, according to the XXXX ( and XXXX! ) XXXX XXXX XXXX XXXX Rankings. For the second year in a row, the company ranks at number 96 and has a reputation quotient ( RQ ) of XXXX out of a maximum score of 100.XX/XX/XXXXThe four banks with the largest total number of complaints included XXXX XXXX with XXXX complaints followed by Wells Fargo & Company ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ).
Consumer complaint received 2022-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company or Organization : capitol one Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$2500.00} I did not make the purchase to XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (WA)

I pulled my credit report and noticed that my utilization rate is being reported on my Barclays account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )