davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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: TRANSWORLD SYSTEMS INC (MO)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor SYNCHRONY BANK and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
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. (CA)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-10-16
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)

I sent out letters back in XXXX concerning my credit report on Equifax there are incorrectly reporting accounts that shouldn't be reporting on my file due to the info on accounts is inaccurate and some of the accounts do not belong to me I have attached my dispute letters i sent out to the credit bureaus. 

I have no knowledge of the collection account XXXX XXXX XXXX communication account number XXXX I also have no knowledge of medical collection which was supposed to be removed by the collection agency with account number XXXX There are also XXXX inquires on my credit report that I never authorized due to my credit report was suppose to be frozen by equifax but ended up having a split file for XXXX XXXXXXXX and XXXX I also put in a request for them to have validated a incorrectly reporting account from XXXXXXXX credit card XXXXXXXX these disputes have been unanswered as of today per fcra guidelines these dispute should have been responded to ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2022-04-20
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. (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 1681. 

XXXX XXXX XXXXXXXX Account status Closed XXXX XXXX XXXX  - ACCOUNT XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXXXXXX XXXX Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX XXXX Financing Companies XXXX XXXX  Automobile Dealers , XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX  Auto Financing Companies XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers , XXXX XXXXXXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX  Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-13
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. (WI)

I have several inquiries on my credit report that I don't recognize which are 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 I even wrote out some of the duplicate inquiries on my report.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

When I tried applying for a credit card I was denied because of a fraud alert that was placed on my Equifax account. My banker found a number that I could call and talk to a person to see what the problem was. Fearing that I might be a victim of identity theft I called. ( XXXX XXXX ). I called and the person said that I need to send documents ( SSN, State ID, proof of an address ) to a location in Georgia. I did and got a letter back about a week and a half, stating that I did not have an account with Equifax or I have no credit history ( I do ). So I called the same number again asking for an explanation. The person stated that there was another name attached to the account and that I needed to send the documents again. I did so by Fax and mail. I have not received anything back from them in the past two weeks. So I called again and ask to speak to a supervisor. The person tried doing a search for the documents that I had sent in the previous three times but was unable to find them. They told me that would put my account under investigation and try to find out what happened to the documents and they asked if I could resend them again.
Consumer complaint received 2022-12-27
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: Receivable Solutions, Inc. (SC)

In accordance with the fair credit reporting act, XXXX XXXX XXXX , Receivable Solutions Inc XXXX XXXX XXXX XXXX XXXX  Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2022-04-20
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax 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 items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}
Consumer complaint received 2022-09-30
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. (MI)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-08-04
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. (AR)

I have sent 3 disputes about a student one that was closed because I am XXXX. All the other ones are closed. The loan was opened in XX/XX/XXXX and closes 6 years ago. XX/XX/XXXX it went to collects for none payment. Before that date it was closed. I have sent them the info for my deferment
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the fair credit reporting act Account # XXXX bankruptcy XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my right also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Following XXXX transactions are not authorized. 

{$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 I filed a report in regards to these XXXX transactions. However, the bank did not even issue a temporary credit while investigating these charges and weeks later, they denied my claim. Wells Fargo is acting irresponsible for its customers when it comes to high amount claim because they are very greedy. This so-called {$0.00} liability guarantee is a false advertisement. Evil corporation likes to take from the poor. Please issue a temporary credit and reinvestigate these charges.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim 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 Commission and I also have enclosed copies.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

There had been fifteen times where I had call Wells Fargo Bank complaint department to file unauthorized charges and Wells Fargo keep blaming on their system. After making XXXX claims with XXXX I was forced to close the account. XXXX XXXX close my account for making a claims for unauthorized charges. I'm not sure what is going on with the bank institutions not protecting our accounts. They seems to be enjoying the fact of pocketing the customer 's money.
Consumer complaint received 2021-12-01
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. (IL)

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 2022-08-13
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. (CA)

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 without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX
Consumer complaint received 2022-04-20
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 recently got a copy of my credit report and I noticed there are incorrect and fraudulent accounts being reported on my consumer report. I am aware of the FCRA and understand that I have the right to dispute these accounts.
Consumer complaint received 2022-04-20
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)

I lost a lot of my personal documents in 2017 during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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 XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 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 out written instructions.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MI)

The manner in which I could have avoided a service fee for PNC Bank account number XXXX was not explained accurately. 

In fact, the reason kept changing and came across as deceptive. 

When the account was opened in the summer a few months ago, the banker made it sound like as long as there would be a {$500.00} ( five hundred dollars ) balance before the grace period for new accounts was up, that the {$7.00} ( seven dollars ) monthly fee would be waived. 

It turned out that this was not true. 

When I spoke with another banker sometime in XXXX, she explained that there had to be an average of {$500.00} for thirty days in order for the {$7.00} service fee to be waived. 

From the time I spoke to this banker in person in XXXX to 30 days later, the {$500.00} balance there was not touched by me at all. That is, I never made any withdrawals from that {$500.00} balance. 

But my balance in XXXX was down again to {$490.00} because PNC took a {$7.00} service fee out of my account. 

The male banker in XXXX said that it had to be an average of {$500.00} from the beginning of the month to the end of the month because that was the billing cycle. 

That was not what the female banker who opened the account said, nor did the second female banker say anything from the first of the month to end of the month billing cycle in XXXX. 

It was as if it did not matter what I did because PNC was determined to mug me and rip me off out of {$7.00}. 

I want that {$7.00} refunded to me immediately and sent to my mailing address. 

PNC Bank is not trustworthy. 

Their employees ' story ( explanation ) on imposing the {$7.00} service fee kept changing.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Innovis (MI)

Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies. 

XXXX Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line ofcredit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : CAPITAL ONE Account Number : XXXX