davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I moved out of this complex in XXXX of 2022. Once I moved out, I wasn't sent any final invoice, nothing showing my deposit being applied, or remaining balance. Several months later I pull my credit report and its reporting as a collection account. I've contacted the property and due to property management being change, they have no records available and also informed me they've received several of the same type of complaints from other tenants who have moved out. No one has contacted me regarding this account as well as why this hasn't been addressed. It's stating some company that goes by Pro Collect owns the account, I've never received anything from anyone regarding this account. I've tried communicating with the credit agencies for several months and they have not sent me anything either informing me of the invoice and how the entire account was verified.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-14
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. (PA)

XXXX XXXX XXXX ( XXXX ) Account # XXXX Date Opened : XX/XX/2013 Dear Equifax & XXXX This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached.. This account are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this account from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

Please remove it from my credit report or Im seeking litigation please delete.

This account on my Equifax credit report has been on there way too long and inaccurate. When contacting the creditor they said they do not know why Equifax still is showing the account when it has been deleted on their end and according to them and XXXX has themselves deleted the account 2 years ago. They said its not up to them but up to them credit reporting agency. 

Credit stated that it should of been deleted over 2 Years ago as it was a Derog account
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CO)

Called Innovis, They refuse to mail a report to me because of my current mailing address in XXXX. Also told me they can NOT generate a security freeze. - Again because of my mailing address. Even their web site is off-limits to me because of my IP number. 
Using a dead address in the USA leaves me open to ID Fraud with little recourse or knowledge. Failed to accept any Korean proof of address including Social Security 1099. 


I have a suspected compromised Debit Card and need all XXXX agencies to freeze my account. With at least XXXX other companies releasing unauthorized data about me, I need to freeze my account. I have the other XXXX credit bureaus agreeing to this, but NOT Innovis. 

Please stop this form of discrimination against XXXX XXXX!
Consumer complaint received 2022-03-11
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (MD)

For your awareness, I have already tried reaching out to the following three companies ( Citi, XXXX XXXX, and XXXX XXXX XXXX XXXX ) multiple times in attempt to resolve this matter. 

I am writing to dispute a charge of {$3900.00} to my Citi Sears MasterCard account on XXXX XXXX, XXXX. This was a balance transfer charge initiated through Sears Credit Card Services online for the purpose of transferring credit owed on my XXXX XXXX XXXX XXXX " More Rewards '' XXXX XXXX credit card to my XXXX XXXX. The charge is in error because the credit owed on my NFCU card was never paid down the corresponding amount of {$3900.00}, and no such payment or indication of transfer of debt has posted in my XXXX statements. 

At the time that I initiated my balance transfer request with Sears Credit Card Services, I entered the address for payment as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ], however I later learned from my bank that since they directly manage my XXXX XXXX XXXX XXXX the correct address should have been entered as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I have tried to call Sears Credit Card Services to make this correction but was told the balance transfer was already processed and cashed by XXXX XXXX. However, representatives from XXXX XXXX credit card customer services have informed me they have no way of investigating this matter because I have no account at all with them since it is managed by my XXXX XXXX XXXX XXXX bank ( so if XXXX received the check, they presumably could do nothing with it ). XXXX has no record of the transaction themselves which they have attested in writing. As to my knowledge, my XXXX XXXX XXXX account number was entered correctly at the time of my submission of a request for balance transfer. 


Attached are the memo concerning and copy of the check Citi sent to XXXX XXXX, delivered to me as proof they had sent a check out, as well as a statement from XXXX XXXX XXXX XXXX attesting that the balance transfer check of {$3900.00} was never received. I've also included my statement of acknowledgement from Sears to begin a balance transfer, and my Sears account XX/XX/2022 statement showing the new credit owed of {$3900.00} as of XXXX XX/XX/2022.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX , AC # XXXXXXXX XXXX  : XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of ED/XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OR)

Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!
Consumer complaint received 2022-10-18
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 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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. 1681 s-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 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I HAVE BEEN REQUEST EQUIFAX TO REMOVE FOR CREDIT XXXX XXXX XXXX TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT FOR OVER A MONTH THEY HAVE REMOVE ITEM.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I received a report of fraudulent activity on my PayPal account on XX/XX/18 that someone had requested {$500.00} and if I did not cancel it would come out today. I canceled the request and called the number provided by PayPal for fraudulent activity. XXXX. 

The non-US person stated that he would cancel the request. I informed that I had already canceled and that I was reporting the user that requested. He hung up on me. 

I called back 2 times and he continued to hang up on me. 

The last time someone else answered that he would take care of my cancel request to which I informed that I would be reporting the establishment for taking place in fraudulent activity. BUYER BEWARE
Consumer complaint received 2022-06-06
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP (ME)

I have cancelled and fulfilled my obligations with XXXX I keep getting money taking out from my debit card even though i have cancelled and have confirmation of my cancellation. I have contacted them numerous times as well as my bank. Still getting billed. The last 2 charges were on XX/XX/2022 and then again on XX/XX/2022. My bank has reimburse me for the previous charges but have not stopped XXXX from withdrawing money from my account. I have placed a stop payment order with key bank and revoke authorization for XXXX to take money for there XXXX XXXX XXXX that i no longer have need or want and have cancelled. I have confirmation that they received my cancellation and they say they cancelled it but continue to bill me. Im not happy with key bank for not helping stop this matter and im not happy with XXXX. They only billing communication is through email. There is no actual human to talk to in person. Please help
Consumer complaint received 2023-08-03
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)

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.

has violated my rights. Or list of inquiries 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 2022-06-06
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. (CA)

Submitted dispute letters to XXXX, Equifax XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

XXXX  saying that I owe them XXXX. I payed my bill and turned in the equipment the same day after I told them I no longer need there service. The equipment was checked in I got a receipt for it but it was listed in the total lost of my vehicle that day. I have by bank statement stating that the money was withdrawn for my account. I told them that an they are same it wasn't payed.
Consumer complaint received 2022-06-05
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: CITIBANK, N.A. (PA)

In accordance with the Fair Credit Reporting act 1. XXXX XXXXXXXX XXXX Account # XXXX, Address ID # XXXX 2XXXX XXXX Account # XXXX 3. XXXX Account # XXXX 4. XXXX XXXX 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 2022-06-05
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: WELLS FARGO & COMPANY (PA)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX, Account # XXXX, Address ID # XXXX 2. XXXX Account # XXXX 3. XXXX Account # XXXX 4. WELLS FARGO HOME MORTGAGE 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 2022-06-06
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. (OK)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

Response information contained in now closed complaint case # XXXX is incorrect and misleading as to what actually occurred. As identified in the Citi response, the e-mail address is different, thus NEVER received ANY notification until letter mailed weeks later. I have never had an alternative e-mail address and confirmed that in last 20 years, have never received correspondence, with the exception of complaint response, from Citi. Citi also notes that an additional payment was made on XX/XX/XXXX. A consumer can NOT be held responsible for the programed inability of banking software system to void ( or even flag ) the incorrect transaction immediately after submitting and immediately contacting customer service. The 3 banks accounts were NOT deleted online, but instead the single default account by a Citi customer service representative. The payment was NOT late and processed prior to XX/XX/XXXX account closure date. Again, the inability of Citi software system can NOT be the responsibility of the consumer. Suggest formal investigation be opened into Citi 's predatory practices experienced in this complaint.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Consumer complaint received 2022-06-06
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: CL Holdings LLC (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 2022-06-06
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. (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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