davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

debt recovery solutions account number XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Medical Account # XXXX XXXX Account # 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My XXXX credit report is showing a late payment in XXXXXXXX XXXX My Bankruptcy was filed in XXXXXXXX XXXX  and this account was never late up to the date of the XXXX filing. 

There are three AMEX account numbers incorrectly reporting a late payment in XXXXXXXX XXXX 
Those account numbers are : XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed inaccurate information on my credit report to XXXX, EQUIFAX, AND XXXX  and they have failed to comply with my request and have not responded to any of my letters for over 60 days!
Consumer complaint received 2019-04-12
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. (CA)

We state for the record to XXXX, XXXX, & Equifax of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, 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 2021-08-03
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. (MN)

The following XXXX XXXX XXXX MasterCard Account : XXXX-XXXX-XXXX-XXXX  listed on my Equifax and XXXX  credit report is lost/stolen, and the credit card account dont belong to me.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (WA)

I have submitted 2 requests to close my checking account at Key bank. One of the requests was submitted in writing via email and the other was submitted verbally over the phone. I was told by a customer service rep on XX/XX/19 @ XXXX XXXX that they would not close my account even if I were to go into a local branch.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo dealer services first said I had insufficient funds. Sent them bank statement where it cleared with my bank. Dealt with president Dept. They we're rude and uncaring. I got 90 days late on my credit due to this. It should be 0 days late. They keep losing my payments. I lost my house loan ( was in process ). Already closed on my house I was selling.
Consumer complaint received 2022-06-25
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 (TX)

I had a charge on my Capital One Credit Card of {$200.00} from XXXX XXXX on the account on XX/XX/2021 which I disputed due to the airline not honoring their policies. Capital One spoke to XXXX XXXX and XXXX XXXX gave me a shopping credit for their airline, and Capital One reinstated the charge on my account. However, once I tried to use the credit with XXXX XXXX it was no longer valid even though it was within the time frame I was given because XXXX XXXX stated Capital One removed the funds. I spoke to Capital One once more to give me back my money since they withdrew the money from XXXX XXXX and Capital One said the case was closed. I still have not received my money back. I have evidence of the credit/voucher I was given by XXXX XXXX  with the expiration date valid that unfortunately was canceled due to Capital One withdrawing the funds.
Consumer complaint received 2019-04-09
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. (NV)

one XXXX account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.
Consumer complaint received 2022-08-11
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. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXXXXXX 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 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Disputed and added remarks to three negative accounts with XXXX and Transunion after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

The Credit Bureaus ( XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX , Inquiry Date XX/XX/21 XXXX XXXX Inquiry Date XX/XX/21 XXXX, Inquiry Date XX/XX/21 XXXX XXXX Inquiry Date XX/XX/21 XXXX XXXX, Inquiry Date XX/XX/21, 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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX  for " 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 2022-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022, COMENITYBANK/WAYFAIR called my wife 's number to attempt to collect a debt from me. They had already been informed that they should not be calling me or my family ( I have filed a complaint separately for that issue ). 

When they called me on my wife 's phone, I spoke with the COMENITYBANK/WAYFAIR representative XXXX The representative told me they were calling to see if I wanted to avoid a lawsuit and which would ruin my credit. They said that though they had record of being requested to not call me, they wanted to attempt to give me the opportunity to avoid bad credit from losing the lawsuit they were about to file. The representative proceeded to make statements such as " So you want to ruin your credit? ", " So you want to lose in court? ", " So you would rather us file this lawsuit and ruin your credit? ". The representative repeated the same sentences regardless of my response, until I finally disconnected the call.
Consumer complaint received 2022-08-11
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)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that 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 is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I sent an affidavit of legal notice and conditional acceptance upon proof of claim dated XX/XX/2022 which is evidenced by green certified mail receipt ( attached ). Also attached is a copy of the correspondence I sent. All are equal under the law, truth is expressed in the form of an affidavit and an unrebutted affidavit stands as truth in commerce. They have not responded, sent an affidavit to rebut the one I sent, neither have they answered my proof of claim, therefore they are estopped. They continue to call me and harass me and have not responded to the affidavit I sent them and continue to post information on my credit report that they will not swear to as being true.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Disputed and added remarks to three negative accounts with Experian and XXXX after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX  XXXX : {$0.00}
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I have an automaic transfer that keeps getting taken out of my account that I can't undo online. Online tech support said I needed to call the bank directly to get it taken care of. I originally contacted Chase to cancel my automatic transfer on XX/XX/XXXX The transfer still happened again XX/XX/XXXX. So I called on XX/XX/2022 to find out why it still was taken out. And was transferred several dozens of times and on the phone for about 3 and a half hours to get it resolved. They gave me a ticket number that day of XXXX. 
The transfer happened again XX/XX/XXXX. So I called and they said the ticket was still open and nobody has resolved it yet. 
On XX/XX/XXXX the bank called me saying the ticket was resolved. But the transfer happened again today XX/XX/XXXX. 

I am currently 30 minutes into getting transferred back and fourth with Chase still without any hope for resolve.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX  for " XXXX 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 2022-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (WA)

I am getting repeated phone calls from company ASG XXXX stating I owe Debt and that they are contacting me or my lawyer. No letter to home showing original debtor from this company or any amounts or account balances owed. When researching the company ASG online prior to contacting them. I found articles warning they are a Scam company and it advised to not call or contact company as they are fraudulent debtor ( even to not visit company website ) The last number calling me was XXXX at XXXX in WA XXXX XXXX and XXXX. They are always pre-recorded or computer generated messages.. 

I am fearful to contact this company due to my findings and putting my self in a position of fraud but understand that if the company is a valid institute any claim of debt is my responsibility.
Consumer complaint received 2022-06-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 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 2022-08-10
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. (GA)

HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (CA)

I did a refinance on my home and was told that there would only be XXXX inquiry but in fact, my credit was pulled multiple times by a few different lenders. When I was presented with my credit report, I noticed other inquiries that I did NOT approve. This is my XXXX request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX