davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MN)

It was difficult to select an option that fit my complaint. 

I received a call saying Fraud activity had been suspected on my credit card. When an called them back they asked way more questions than I have had happen in the past. 

Once I hung up with them I looked up US Banks Fraud Department and the number wasn't right. I call US Bank and couldn't get through.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXXBalance XXXX {$3500.00} XXXX XXXXXXXX : {$140.00} XXXX XXXXXXXX : {$210.00} XXXX XXXXXXXX : {$210.00} XXXX XXXX : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00}
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (IL)

XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
I C SYSTEM shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

IN 2005 OVER 10 YEARS AGO I HAD AN ACCOUNT WITH XXXX AND AFTER MY CONTRACT RAN THROUGH DISCONTINUED SERVICES. MIDLAND FUND HAS SINCE BOUGHT THIS JUNK DEBT AND HAVE BEEN CONTINUING TO PERSUE AND REPORT THIS TO THE CREDIT BUREAU AND HAVE ADDITIONALLY PADDED THE AMOUNT INITIALLY WRONGFULLY REPORTED AS OWED.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/22, I was notified that {$3500.00}, in XXXX transactions of {$1000.00}, {$500.00}, and {$2000.00}, was withdrawn from an ATM in XXXX. I was in XXXX MO in college. I have proof from a coach that I was with him on this day. I submitted a fraud report to Wells Fargo the day of the transactions. They closed the case and denied any return on my money because they said any PIN transactions are automatically not considered fraud. They said that I could submit a police report and with it I could reopen my case for further investigation. I called again and they said that the case was closed and the decision was final. They did not explain how {$3500.00} could be withdrawn from an ATM when the limit for my account was {$300.00} to my knowledge. They would not listen to the fact that I have proof that I was not in XXXX nor did I ever loan out my card nor was my card lost or stolen. It was in my possession the whole time. On XX/XX/22, I called to raise my daily spending limit so that I could pay for college. However, I did not raise my ATM limit.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

First two phone calls agent lied and told me the only way I could get a freeze on credit report was by buying their policy at {$16.00} a month. I bought a year 's worth only to find out this was false info. I had been told repeatedly by 2 different agents that " no purchase, no freeze. I wrote at least 3 emails to them with no results. Finally was able to cancel all but the first month of my contract, so have already paid the {$16.00}. My policy coverage began on the same day as my calls, ( also the day after my computer was hacked and I lost all privacy on it, ) XXXX XXXX, 2019. I submitted all this as feedback to Equifax and have yet to hear back.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-05
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: Self Financial Inc. (MI)

In accordance with the fair credit Reporting Act XXXX Account XXXX. Self Financial Inc 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 any purpose.
Consumer complaint received 2022-09-05
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: ID Analytics, Inc. (TN)

I never provided my consent to report any of my nonpublic private consumer information. The authorized use of my information is identity theft. I hereby Opt-Out of any consent obtain to report my nonpublic private consumer information.
Consumer complaint received 2022-09-05
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 XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account # XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX XXXXXXXX Account # ( XXXX  ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. 
I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. 
I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. 

Thank you!
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from my credit profile within 15 days.
Consumer complaint received 2022-11-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1981. Account Name : 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 2022-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

On XXXX and XXXX a wire for {$50000.00} each day was sent to PNC ( totaling {$100000.00} ) for XXXX XXXX were credited to a account not held by XXXX XXXX. This error was due to wire fruad and PNCdid not match up the name on the account as they are required to do for wires. 
The routing numberXXXX and funds were credited to XXXX not in the name of XXXX XXXX as instructed.PNC has not responded to any request for the return of my funds. 

PNC did deposit in the correct account for XXXX XXXX. The account name on the was clearly indicated to be for XXXX XXXX  - see attached wire transfer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX United States Futhermore - they failed to respond for ever 4 months to the Hold Harmless letter/request to return funds from THE XXXX XXXX  - XXXX XXXX XXXX below to verify - ** Please see attached email string XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX Mobile : XXXX This has been devisating to me and family and I greatly appreciate you attention to this matter. I had made a prior request, but the issue at hand was not addressed by PNC Bank
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC (CA)

XX/XX/XXXX I recevied a call from " Alltran '' at my desk line. I advised her that I was not to receive calls like this at work and would she please send me a letter. My identity has been stolen before and my personal information compromised, so I do not do anything over the phone. She said she needed to verify my information and was incredibly rude. I sais please do not contact me at work, please send me a letter and goodbye. Immediately after hanging up our receptionists desk phone began to ring and Alltran was attempting to get in touch with our HR department. She has made repeated calls to HR since XX/XX/XXXX to verify my employment. Our company policy is that no verification will be made without the employees permission. Alltran was advised about the company policy by HR.

They have been calling non stop since XX/XX/XXXX. This morning, XX/XX/XXXX they faxed a request for employment verification. The fax cover sheet also indicates that the communication is from a debt collector- which is ILLEGAL. My HR forwarded me the fax. They are now not only harassing me, but also my employer. I have received no written correspondence regarding the matter.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX XXXX, 2014 Balance : {$0.00}
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, 2013 Balance : {$0.00}
Consumer complaint received 2022-10-21
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. (PA)

XXXX XXXX XXXX  Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX  on my XXXX and Equifax reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my XXXX, XXXX and Equifax reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-09-05
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: Americas Car-Mart, Inc. (GA)

To whom it may concern : I XXXX XXXX did some more research on the repossession I am trying to get removed from my credit report. In the state of Oklahoma they are required to put in writing how much to get the vehicle back, when and where they are selling the vehicle such as a public auction or private auction. What time and how much. Also aren't they supposed to deduct what ever they sold the vehicle for. Please get back to me and thank you kindly.
Consumer complaint received 2022-09-05
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)

I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX XXXX$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

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

15 U.S.C 1681 section 604 A. Sections 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-05
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 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 2022-09-05
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. (FL)

XXXX XXXX and Equifax have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.