davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

In XX/XX/2017, I underwent a XXXX by and through XXXX XXXX XXXX XXXX. After the XXXX, I owed a balance to XXXX XXXX in the amount of approximately {$2200.00}. At the time, I was working with the billing office attempting to set up a payment plan. However, due to the amount of the payments for the plan, I was unable to continue paying the full amount and was attempting to pay what I could afford. The bill was sent to a collection company Puget Sound Collections ( hereinafter referred to as PSC ). PSC contacted me and discussed the situation. We agreed to a payment plan, and I was to receive a promissory note from the company that confirmed the payments, amount, etc. At no time did I receive a promissory note from PSC, and under the law, I am protected from making payments without validation and verification of the debt.

I contacted PSC  and did not receive a very nice response. In fact, I was threatened with legal action. I filed a complaint with the State regarding the threatening message, and heard nothing further.

A year and a half later, I was served with a lawsuit. This complaint is in regards to that lawsuit and PSC 's deliberate attempt at destroying me both financially and personally.

Due to some hard times my family has fallen on ( 4 XXXX XXXX in less than 6 months between my husband and I ; job loss for both my spouse and I ; two XXXX XXXX, one life threatening that almost killed my husband ) I hired a company called XXXX XXXX XXXX to assist me in being responsible, and cleaning up all of our debts. XXXX XXXX XXXX is an alternative to Bankruptcy, which I am fully qualified for right now due to the extreme hardship I am under. It is my understanding from XXXX XXXX XXXX and my attorney by and through XXXX XXXX XXXX that my file with PSC has been noted as " no settlement/no negotiation ''.

XXXX XXXX XXXX has made a diligent effort to resolve this matter with PSC and they are refusing. Stating that they want to obtain a judgment as opposed to working out a payment plan through my Debt company and attorney. PSC is deliberately attempting to destroy my credit, and my future by obtaining a judgment. PSC has been offered an amount to settle, and I have offered to pay the full amount through XXXX XXXX XXXX in order to resolve this debt, and pay my obligation, however PSC continues to state they will not settle, or accept any payments and thus are going to move for a judgment against me wherein they will receive {$0.00} as I am unemployed.

I would like action taken against PSC for unfair tactics and deliberate abuse towards a person. If PSC  is unwilling to accept a payment plan for the full amount, I am not above filing for Bankruptcy and wiping out the debt completely. However, I would prefer to continue working with XXXX and continue being responsible and paying my obligations so that my future is bright, not destroyed by a medical debt and an irrational, unprofessional debt collector.
Consumer complaint received 2022-01-08
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. (TX)

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Consumer complaint received 2021-12-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been disputing a bankruptcy with Equifax that has been dismissed. Recently, I got a response that the bankruptcy is not reporting on my Equifax report so I got excited. But I logged in to my Equifax report today, but surprisingly the bankruptcy is still on there! This is absolutely false reporting and dispute results as well as devastating!
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

On Tuesday XXXX I tried to logon to my account with Chase Bank . Was informed account has been restricted due to suspicious activity. I called number given and was told two deposits had been attempted to put into my account for a third party. I told them that I have never heard of this person and these deposits weren't done for my benefit. I had no knowledge of any of the details. I asked them to remove said deposits from my balance and I wanted all of my money that was mine to be returned to me A.S.A.P.. They said I would have to contact third party that made deposit to verify legitimacy of deposit. This is not my place! Now XXXX I'm told another transaction that was completed in XXXX of this years is in question. They have with held over {$9000.00} of my money that had been deposited legally and has been processed. I can't get a straight answer form anyone that I have talked to in person and on the phone. They say that deposits could be fraudulent, but they have been verified previously. This is all my life savings which includes both checking and savings account balances.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I own a sporting goods retail sales shop focusing on skateboarding supplies, hardware, shoes and apparel. Additionally I hold skate camps in the summer in cooperation with XXXX XXXX XXXX in XXXX XXXX Pa. The shop has been known as XXXX since XXXX, I bought it in XXXX incorporated as XXXX, XXXX in Pennsylvania. Since XXXX, for about 3-5 camps a summer, including three this year, XXXX XXXX has reimbursed me for each camper in a check made out to XXXX. This was done about 25 times and each time Santander cashed the check. All good. Santander changed their practices, I guess noticing that the DBA name of XXXX was not in the PA legal entity name of XXXX, XXXX. It will take quite a while for me to change the legal / dba name, which I have started. No problem, understand. What I have an issue with is that instead of returning the money to XXXX XXXX XXXX, and having them re-issue a check to me made out to XXXX, XXXX, their fraud department is just holding the money. They have given me a reference code of # XXXX for the return of the money. The issue is after holding money that was not fraud, and not theirs, they say after 3 weeks that it may take another 30 days. This is unacceptable for the operations of my business.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, VA XXXX Phone number : XXXX My only employer is : XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX  accounts INQUIRES THESE INQUIRE IS NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX  XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX NOT MINE! 
INQUIRES THESE INQUIRES ARE NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XXXX XX/XX/2022 XXXX NOT MINE! 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 

( Make sure you put the Account Name and Account # ) has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-15
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 from 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 a purpose.
Consumer complaint received 2021-12-20
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. (DE)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-10-13
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)

The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: OPORTUN FINANCIAL CORPORATION (OR)

We received a visa card in the mail from Opportun along with a letter stating they had changed our address from our ( correct ) previous address to our new address. We did not apply for this card, we do not want this card. We cut it up and never used it. We began receiving bills for monthly fees and now have a balance due of {$96.00}. on XX/XX/22 we contacted them and after lengthy conversations with many different customer service agents, we were told the card had been cancelled and fees reversed ; however, yesterday we received a new bill with additional fees.
Consumer complaint received 2021-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Consumer complaint received 2021-10-13
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-20
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. (GA)

I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-08-31
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. (CA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand 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.
Consumer complaint received 2022-08-24
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/2021
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX  XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to login to the Bank of America app to find out that my account was locked. I spoke to multiple representatives on the phone and they all said that my funds would be mailed to me. No one was able to assist me on why my account was locked. I was told that it was a business decision and that my remaining funds in my account will be mailed to me. I need the funds from my account as soon as possible, so I need to be able to go to a branch and have my funds be pulled and brought to me right then and there. This whole process is very frustrating and irritating.
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 are the inquiries that are reporting on my Credit Reports. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NM)

I received a XXXX $ XXXX gift debit card for XXXX. On XX/XX/XXXX I went to XXXX to activate the card. The Card Activity report at this website shows two pending XXXX Pre-Authorization transactions dated XX/XX/XXXX, XXXX XXXX XXXX {$1.00}, California and and XXXX, XXXX XXXX , Texas {$1.00}. I only opened the package the card came in today, XX/XX/XXXX. I tried contacting the number on the back of the card to report what looks like fraudulent charges already on a card that has just been issued. There is no response to calls to this number XXXX, I am put on hold until the call eventually disconnects. I called the XXXX national number XXXX and was told they could freeze the card but I would have to call the US Bank number XXXX to get a replacement issued.it seems to me Since there is no response at that number this looks a bit suspicious. I have had XXXX freeze the card. XXXX says they will notify the bank the card has been frozen. XXXX has my personal contact information. I will make another attempt to contact US Bank for a replacement card but have been told by two XXXX representatives to call off peak. When I asked what that actually means do they mean a daily, weekly or seasonal peak I am told they do not have that information. Apparently there is no recommended time to call about fraud and actually get a response. 
By the way, a quick web search of those two charges shows many people have complained about similar pre-charges against both new credit cards and bank accounts by those same two companies.
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: EQUIFAX, INC. (LA)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you