davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OR 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 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

Hello I have been contacting XXXX and also the creditors in regards to this matter. My identity was stolen, I am now working with XXXX identity works checking my credit report and I see something that isn't mine. I reached out to the creditors they agree that the account isn't mines and that it should be removed but they keep updating on my report. I am requesting that this account be removed from my report I have submitted documents to the company More than once to no avail also a c'est to disist letter.
Consumer complaint received 2022-05-13
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. (LA)

In accordance with the Fair Credit Reporting act 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 2022-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

Received a letter from Credence XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX www.credencerm.com About a XXXX XXXX XXXX bill for {$300.00}. That I do not owe. 

Mail payment to Credence Resource Management , LLC XXXX XXXX XXXX XXXXXXXX, MI XXXX
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC claiming that I owe {$350.00} which is incorrect. I have tried to communicate with this company but they refuse to acknowledge the errors of this account. For the past 5 month I have tried to resolve this and they refused to correct there reporting on my credit reports.
Consumer complaint received 2022-05-13
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. (GA)

On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for XXXX XXXX XXXX XXXX XXXX XXXX This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with 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  : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector. '' I have contacted Equifax several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. XXXX out of the XXXX of the collection accounts were removed. However, there are XXXX collection accounts that need to be removed immediately. I had XXXX XXXX XXXX XXXX at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.
Consumer complaint received 2022-06-28
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. (MD)

CFPB Write up 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 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

For the last year I've been banking with TD Bank. The day I opened my Personal Checking Account, I opened the online banking service account. Initially, my transactions would reflect the date it began pending, now it doesn't. Normally, banks allow you to click on a pending or cleared transaction and see the Merchant reference number, now I can't. Since I opened the account, I've had to change the password twice ( out of the blue ). I tried logging in, couldn't, and was told to dial ... .... Upon doing so, I'm not convinced TD Bank Representative really assisted me or it was an impersonator, the person who has caused all of these Bank problems. 
In conclusion, today I saw a transaction for {$10.00}. I don't recognize it. So, I clicked on it to see what day it began pending, and I can't even do that. So, I'm convinced this is no longer an online account by TD Bank. It's more of a fictitious account with " JUMBLED '' transactions. And transactions being on hold for a few days so that nobody can see that I spend money 7 days a week and I'm really entitled to my real account. 
In conclusion, what should I do at this point?
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

There where multiple fraudulent transactions. Dates include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The total amount comes out to {$14000.00}. Those checks where not authorized by me, my check serial numbers start from XXXX -- XXXX these serial # s are random. My checks I have kept in my safe. Truist bank denies to refund the unauthorized charges.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

hello! This was Via zelle! I was scammed by two people claiming to be owners of apartments, at the time I didnt know you couldnt get money back from Zelle if you sent it. Which is a huge bummer. They kept telling me to send them money to see the place and they kept on bailing. I asked to get the money back and they kept telling me to send them more money in order to get money back that was already lost. They then kept telling me they would mail a check out. And they did! But it was fake. I have been struggling for a while ever since losing all of that money. I can barley afford my bills at this point and I dont know what to do to how to receiver all of the money lost. I really need help. Its been a big burden on me. I still have all information of the two individuals.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

After authenticating my identity over 10 times since XX/XX/2020 with LexisNexis, after waiting over 90 days for corrections to be made to my XXXX Report, Lexis Nexis wrote that it not able to authenticate my information which has been the same for many years. First LexisNexis wrote that I needed to contact the provider of the inaccurate information to have it removed but did not disclose the providers names. Then it wrote that LexisNexis does not make corrections to the XXXX Report. Now it writes that it can not authenticate my identity. LexisNexis took unauthenticated information from all the identity theft accounts and had no problem placing all that inaccurate information on my consumer report and XXXX Report which incorrectly lists XXXX pages of identity thieves as my relatives and/or associates on my report. Since no one signs anything and there is no accountability and with all their incompetence, I do not feel safe resubmitting my personal documents which I already submitted upon my initial request.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Ace cash express email stating that I was approved for 3,000-10,000 dollar loan, name XXXX XXXX XXXX loan code was XXXX XXXX, wanted me to give him my bank login info and password, I refused, he hung up on me.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from the Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Consumer complaint received 2022-07-31
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)

I have been violated for almost 2 years, Equifax, XXXX, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a XXXX XXXX. I demand a {$1000.00} violation for Equifax, XXXX, and XXXX for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX
Consumer complaint received 2020-03-20
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. (AZ)

I am writing to file a formal complaint against XXXX/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the XXXX/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from XXXX with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-31
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-05-13
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. (PA)

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was XXXX in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

My checking account and saving account got blocked and placed on the accounts after I deposited a check every time I called the fraud team when they transferred me to the deposit risk team. For the past week, I can't get ahold of anyone for the long wait time, checking account XXXX and saving account XXXX. My account phone number is XXXX. Please unblocks both accounts.
Consumer complaint received 2019-03-30
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)

In XX/XX/2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Bread Financial Holdings, Inc. (CA)

Hello my name is XXXX XXXX. My complaint is regarding Victorias Secret and a denial for credit card. I received a denial letter, which I have the original documentation and pictures of it. The denial for the Victorias Secret store credit card indicates refusal of my submission for Victorias Secret credit card as No current record of completion of a 4 year college. IS THIS LEGAL? Please let me know how to move forward as I am a U.S, California born citizen, Im NOT on a school XXXX  program. How can I get denied for a Victorias Secret credit card when I have several years of work history and own my own condominium? 
Please advise @ XXXX or XXXX XXXX, XXXX XXXX in XXXX XXXX, Calif XXXX. 
Thank you, XXXX XXXX P.S. again I have photos and original documentation sent to me from Victorias Secret
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXX bankruptcy, and XXXX XXXX XXXXankruptcy, and multiple inquiries were a result of fraud. XXXX and Equifax refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested XXXX and Equifax that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.