davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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)

Equifax will not tell me how 11 inquiries got on my credit report. In addition, despite numerous efforts they have not deleted my ex-wife 's address which caused these fraudulent inquiries and collection accounts on my report.
Consumer complaint received 2022-08-25
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  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX I received a phone call from an unknown number. The lady said that she was from XXXX XXXX and had a summons issued for a civil action lawsuit against me and she said I should have received a certified letter two or four weeks ago. I responded that I did not receive a certified letter about a civil action lawsuit against me. I asked who the plaintiff was and she said she could not disclose this information to me but had to call the law firm handling the case, XXXX XXXX phone number XXXX Case # XXXX. When I continued to ask for more information, she said that the case is sealed and wanted to know if I would be available at XXXX today for the process server. I called the number and was transferred to XXXX who told me that I was being sued by Chase bank for a credit card in XXXX for the amount of around {$8000.00}. I said that was 20 years ago and my ex-husband had opened the account and they need to contact him. Then he said that I had continued to ignore their certified letters and correspondence that they had sent to me when I never received any correspondence or certified letters. He also said that they would put a boot on my XXXX XXXX until I paid the money they had stated that would increase to {$11000.00} once it hit the court room. I told him that I would contact my attorney to discuss this further with him and he said what's the name of the attorney? I said I don't know who will be assigned to my case yet. He said so you're going to use a law firm? What's the name of the law firm? I said I would research and find the best one I could and he became very angry and raised his voice and said this is not going to go away. When I checked with XXXX XXXX online system in their civil lawsuit cases, and provided the case # that was given to me, there was not a case found in XXXX XXXX for that case # or my name.
Consumer complaint received 2021-04-01
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: WELLS FARGO & COMPANY (MD)

I sent Wells Fargo a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Consumer complaint received 2018-04-09
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. (CA)

A charge off from 2012 appears on my credit report from XXXX XXXX XXXX. This charge off shows up on my report from only one reporting agency. I contacted the creditor they denied my request for a credit validation letter. I was told by the representative I spoke with to contact the police instead.
Consumer complaint received 2022-03-01
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-07
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: DISCOVER BANK (MD)

I rarely use my Discover card anymore because their customer support no longer supports their customers. 

In this case, I bought a computer processor that turned out to be defective. The merchant, XXXX, does not respond to customer complaints and does not resolve issues with their sellers ' shipping defective merchandise. 

In this case, I received a defective CPU processor. I contacted XXXX to report the issue, and XXXX 's automated response was to disregard the issue. I opened a dispute via Discover, and after a few months, Discover came back siding with XXXX. 

I would not raise this issue other than Discover has made no attempt to contact me or request additional information regarding this issue. It would appear that Discover simply does a a cursory attempt to contact XXXX and accept any excuse provided to close the case. 

This is not the first time Ive had issues with Discovers customer support not conducting thorough investigations for disputes, but it is finally worth escalating, even if it is over a {$27.00} purchase.
Consumer complaint received 2021-12-08
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. (PA)

Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that the following companies listed below offices provide me with competent evidence that I have any legal obligation to pay you. If not please DELETE collections listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Receivable Recovery # XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-07-17
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. (CA)

XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX notified me about a hard inquiry of my credit history made on XX/XX/2019 by Goldman Sachs Bank USA. This hard inquiry was un-authorized.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NY)

I wrote to SageStream in XXXX of XXXX and received a response on XXXX of XXXX. This is an egregious violation of FCRA which requires a response within 30 days. 

Pursuant to the FCRA, SageStream is required under federal law to investigate and must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting a correction to the following information used to computer my score AND a description of the procedure used to determine the accuracy and completeness of the disputed information, both which are required under FCRA. 

SageStream wrongfully claims that there is, " Limited history for consumer at this phone ''. This information is inaccurate. I have had one and only one mobile phone number in my life. This number is XXXX, and I have had it since XX/XX/XXXX. 

I have had one and only one home phone number in my life. This number is XXXX, which was associated with my address prior to my date of birth. Therefore, this number has been associated with me since XX/XX/XXXX. There was a change of the phone numbers area code on XX/XX/XXXX, during which the area code changed from XXXX to XXXX. This change was done by the telephone company for all people in the area code. 


SageStream wrongfully claims : " Consumer associated with phone changes ''. This information is inaccurate. There has never been a change in any phone number associated with my name, other than the statutory change of area code listed above.

SageStream wrongfully claims : " Distance between prior residences ''. This information is inaccurate and incomplete. I have never had another residence. The only residence I have ever had is : XXXX XXXX XXXX, XXXX, NY, XXXX. The report incompletely lists my address without the state and town listed on my consumer report. This address should be complete and consistent with the address above. Therefore, there should be no distance prior residences because I have had only one address. It is the same address and any reasonable person reading the information in the report should understand that.

Moreover, SageStream has been irresponsible in their transition to ownership by XXXX and has not done their due diligence in forwarding mail from their XXXX XXXX address to XXXX.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( XXXX ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2021-11-29
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have been having issues with Coinbase for over 9 months that my money was stuck with them, at first I couldnt login into my account which took way too long, after about 7 months I was allowed to long in into my account which i was happy that finally I can get my money out. I try to withdraw all my money out into another wallet address which I was told they wouldn't allow be to withdraw my money via Cryptocurrency except I add a bank account. It took them several days after I was able to login before they can respond back to me. 

Now I tried adding another bank account to get my money immediately which i transferred part of my money to the new bank, Now i am trying to add another bank account or my XXXX account to Coinbase which i realized again they locked me out from adding any form of payment. 

I am tired with the way coinbase operate I need to get my money out and be done with that company. I really need help.
Consumer complaint received 2022-08-25
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. (MS)

In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX  XXXX XXXX XXXX  Filed on XX/XX/2016 XXXX
Consumer complaint received 2021-05-23
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. (TX)

XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ND)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-09-21
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 FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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 2022-08-07
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)

They state I owe for services rendered, of Ambulance coming to see me, I never requested an ambulance be called, I have not been in distress for a said ambulance to be dispatched, I never signed any authorization for services
Consumer complaint received 2020-01-29
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)

file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}
Consumer complaint received 2019-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (MD)

On XX/XX/ 2019 in attempts to make a payment to the car lender REGIONAL ACCEPTANCE CORPORATION, my payment was denied due to lender refusal. During that time, when I attempted to speak with the lender and use their automated payment system to get this issue resolved, again my payment was refused. The last time the lender accepted my payment was XX/XX/ 2019. Since this date, the lender has not only compounded interest daily on my account, but also has called twice a day, everyday, for the past 30 days to ask when the new amount with the compounded interest would be paid in full. Many of the phone calls have been very demanding and intimidating - threats of vehicle repossession. As of XX/XX/2019 the original amount due was XXXX {$440.00}. However, today on XX/XX/, 2019, the amount due is XXXX {$1400.00} with interest included. I am reporting the company REGIONAL ACCEPTANCE CORPORATION as a predatory lender because they are not only difficult to work with, but also I suspect racketeering. Additionally, not only do I have statements showing my payments made on XX/XX/XXXX and XX/XX/ 2019 were rescinded ; but also I have photos of a recent online payment made the evening of XX/XX/, 2019 being refused as well.