davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (PA)

Fraudulent accountant increase appearing on credit report. 
Accounts XXXXXXXX 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 2023-04-07
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)

This complaint is addressed to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-04-08
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. (KY)

Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : 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 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 2023-04-06
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 do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

XXXX XXXX Account Number : XXXX Amount of alleged debt {$1000.00}.
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

In review of my XXXX credit report I noticed that there is a Collection being reported that I do not identify. This medical collection was placed on my credit file by Americollect in the amount of {$260.00}. 

I do not know who this is and what its pertaining to. this debt collector needs to " Validate '' this debt and show that it actually pertains to me.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MA)

This collection agency did not send letters, failed to email me or communicate properly to notify me of the debt prior to placing it on my credit report. I sent them an overnighted letter ( with a return receipt an tracking ) to demand they verify the debt, to prove that I made a good faith payment ( despite it being an open fraud investigation ) and to request that they remove the negative reporting during this open investigation. I also submitted verification ( bank statements ) showing my current address. Instead of complying, they contacted the credit agencies AGAIN and added and " XXXX '' flag to my credit file in order to hurt my score even more. They received my letter at approximately XXXX that day and by XXXX they flagged my credit profiles to aggressively attempt to ruin my credit by ignoring the information I provided them. 

XXXX XXXX XXXX XXXX department received all my correct contact information to investigate the fraud and also took a good faith payment despite it being an open fraud investigation. In the letter I overnighted to Credit Management LP, I informed them of this and they ignored it and attempted to damage my credit more by adding negative information to my credit file. 

I called XXXX to dispute this account over XXXX year ago ( which I now know is a fraud account ). I had no luck as the company took my complain but never got back to me about my claim. This collection company, Credit Management LP suddenly put a dent on my credit report without contacting me. I have never lived at the address the XXXX bill was sent to, I notified XXXX I had no access to that address and XXXX never reached out to me to pay the bill. They called about the boxes XXXX day and I re-informed them that I don't have access and don't live there. An open investigation is ongoing but the account is PAID.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (LA)

Credit card open up in my name on XX/XX/XXXX of XXXX. Chargers were made of {$2700.00} Had a credit limit of {$17000.00} Card open with US Bank Had address listed on their report where Ive never been this is not my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Massachusetts XXXX No one has contacted me for US Bank identity theft and fraud to resolve this issue
Consumer complaint received 2023-02-07
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 (GA)

I have informed Discover Bank on several attempts to dispute the fraudulent charge from XXXX XXXX XXXX XXXX Amount {$570.00} Dispute # XXXX and XXXX XXXX XXXX XXXX CO XXXX {$160.00} Dispute # XXXX. They have disputed it and reversed the charge and charged it back to my account over XXXX without providing the consumer ( myself ) the validation of the allege fraudulent charge with XXXX nor did they provide proof of allege debt for XXXX XXXX as this was not fraud but the services was not rendered nor performed as they did not let customers through to catch flights due to the long line and short staff. 

Discover even went as far as providing a new card due to the agent charging me without my consent/notification all to place the charge {$570.00} back on my account.
Consumer complaint received 2023-02-15
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. (CA)

These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX  * Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX XXXX Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I have the Citi Double Cash Rewards card. When I signed up for the card, they promoted rental vehicle and travel coverage. In XXXX, Citibank Double Cash suddenly dropped these benefits, but I was not notified until after I had traveled in XX/XX/XXXX that they dropped coverage and they told me they would cover nothing incurred during a snowstorm in XXXX that blew my doors off, I had to flee the vehicle due to 100+mph winds. I went back and checked all my online statements and emails from Citi during this time and they never notified me of this drop of coverage. The only proof I can see are some third party articles in XXXX, but nothing officially from Citibank. I see this as an unfair practice. If I had known they had dropped coverage I would have switched to a different card or used another that had rental vehicle insurance. Now I'm being charged approx {$1500.00} to pay for vehicle damages, and Citibank refuses to communicate them not notifying me of dropped rental vehicle benefits. A Citibank representative said I should have seen the notification of dropped benefits at the bottom of my statements, and I do not see any. It appears Citibank did not notify their customer on terminating benefits, therefore I hold them liable.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank / Lowes charges {$2.00} above the already high interest rate. The rate has increased because of the Fed and every month they had a fee because there is interest. i have had the card 6 years, never missed a payment. I called and they confirmed they charge a {$2.00} fee above the interest i already pay. i do not brie e this is fair and they are charging above and beyond what they should. This seems fraudulent and they are gouging us. thx
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.
Consumer complaint received 2023-06-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX BankruptcyXXXX  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 2023-03-21
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: ProCollect, Inc. (TX)

I called Pro Collect Inc to dispute the balance on my account. Pro Collect Inc is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. There phone number is XXXX. They are not my original creditor. Remove this account
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Chime Bank which is owned by XXXX said I violated their user agreement by depositing and then quickly transferring my money back out to a different account and asked me to provide a valid ID and proof of income which I did. They have my account locked and had been since XX/XX/2022 and they will do anything about it. Ive asked them to close my account and mail me a check of the funds I have In their bank or reactivate my account so I have access to them again and this is had been going on for over 6 months with no resolution.
Consumer complaint received 2015-04-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.
Consumer complaint received 2022-12-14
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 2022-12-14
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 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. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including 15 USC 1666b. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, XXXX and Barclay Card, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

This account was opened without my permission as a result of identity theft. I have a security fraud alert of with the credit bureaus. And I was not notified until I started to receive harass calls calls. regarding this account. This is not my account
Consumer complaint received 2022-12-14
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)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (AL)

Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for a Capital One Wal-Mart Rewards Card in XX/XX/XXXX. I have great credit and was approved no problem. I used the card somewhat frequently up until about 2 weeks ago. I noticed it was closed on my XXXX  XXXX  report. The debt was paid in full. In fact, they owed me {$25.00} in cash back rewards ( that I still haven't seen even though I was told they would mail me a check ). I called to figure out why they closed it. It was because I was XXXX  on XXXX  charges in XXXX. My life is totally different now. I work 3 jobs and one of them is a business I started. Anyway, although I disagree with this policy, I ( somewhat ) agree that they have the right to close the account. I say " somewhat '' because in the paperwork details for this very same card say under the " notice to Ohio residents '' it says due to anti-discrimination they have to offer credit equally to all credit worthy customers. I'd say I fit that description - and they must have agreed because they issued a card! What really bugs me though is that they couldn't have just asked me if I had been XXXX  XXXX  XXXX XXXX  during the screening process. I would have answered honestly and they could have denied me then - without ever having to run my credit. Instead, they do a hard inquiry ( which now I'm stuck with for 2 years ) and then turn around and close the account - which lowers my overall credit. so it hurt my score in 2 ways when a simple question could have avoided this whole situation. If this is their policy is should be advertised and asked about in the screening process. I also feel like, according to their own rules ( of being deemed credit worthy ), they should have to keep the account open - as long as I didn't fall behind or wasn't using it, or whatever reason would be sufficient cause.