davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and I am the author of this complaint. 

Equifax has restricted access to my credit report, and through Annual Credit Report, com, and for months. 

This service returns no results, and even after verifying who I am with credentials, personal identifiers and verification of details that should be known and accessible to me. 

Must be noted, My Equifax works just fine. There is an innate difference in the views, data and reporting for consumer reports from ACR.com, and MyEQ.com. 

Must also be noted, that I am entitled to both, one of which I am paying for ( MyEq ). 

Please fix this view issue - and, print and mail a full credit report to the current address provided within this complaint - and none other. 

As you know there is PII data in the report, and that EQ itself, reverted current to an address from almost 5 years ago. 

Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I DO NOT live in XXXX NJ, the address is invalid - and not my own.
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (NY)

XX/XX/2022 XXXX XXXX  Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me three times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Good afternoon. I recently applied for the Citi XXXX XXXX XXXX Credit Card, however I was denied without a detailed reason. The application ID is XXXX. I am writing today to see if someone can please contact me to go over any concerns they may have and fix whatever is causing this denial. I am confused that I got denied because I have XXXX credit score and can not seem to figure out why I got denied. Years ago I was a victim of identity theft and someone got access to my accounts and were making purchases etc. I reported this to all the credit card companies I did business with and all maintained great communication and immediately added additional security to my accounts to avoid anyone from getting access. To date I have not had a single problem with any of them. Citibank on the other hand had closed all of my accounts and I never knew the reason why, I simply assumed it had to do with the Identity theft, because I saw from a letter sent to me that one of the accounts was being mismanaged or something like that. I only wished someone would have contacted me when the unusual activity was taking place to review and put in place immediately additional security to avoid any damage to my credit with Citibank. I didn't know what was going on until I noticed that one day none of my Citi Bank accounts were appearing when using the Citi app on my new phone. Please I truly want to come back to enjoy the great customer service and benefits I was receiving. I am a strong believer that communication is key to success and solutions. I am attaching my recent credit card application and the old police report I was given when my wallet, laptop, phone etc. were stolen for reconsideration.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

In XXXX of 2021. I incurred a problem with CHIME bank. I was asked to upload a copy of social security, a copy of my driver 's license, and a copy showing PROOF of residency. They changed my arm pin number without my consent. They blocked me from getting into my account.. Two days ago I sent several emails telling them to close my account. Every since then, I have been logged out of my other bank account. My accounts and email have been hacked, breached, and compromise. On their website they had false advertising saying they would never ask for personal information, when in fact they have. Certain documents and photos have been taken out of my emails I have saved for proof.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX has changed my payment history. The information is incorrect. This information should be removed immediately. They have reversed payment history from 5 years ago, which had negatively affected my credit score. XXXX XXXX is reporting inaccurate information. 
Also, XXXX XXXX has no written permission from to your furnish this account on my credit report. According to the fair Credit Reporting Act, I have a right to privacy.
Consumer complaint received 2022-07-03
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. (TX)

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.
Consumer complaint received 2022-12-04
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: Nelnet, Inc. (VA)

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 an 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 2022-11-20
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: U.S. BANCORP (KS)

I am a victim of identity theft and US Bank unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Consumer complaint received 2022-09-23
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. (TN)

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Consumer complaint received 2022-09-23
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: CBC Companies, Inc. (PA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) 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 The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXX Factual DataXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Twice we requested modifications and were told that we were eligible. We were then instructed, both times, to discontinue payments while the request was being processed. Then at some point, each time, we were told that we had missed multiple payments and had defaulted on our loan and were in jeopardy of losing our home. Twice, we had to fight to keep and maintain our loan ; then twice we were penalized {$15000.00} ; and eventually the modifications were granted. After, purchasing the home in 2007, we currently owe more now than when we originally purchased the house. Even during COVID, we accepted their assistance to stop payments for XXXX months ... they did the exact same thing saying that we were in jeopardy of default! We promptly removed money from our XXXX and paid the past due amount. We explicitly follow their directives and are severely penalized for it. I have complained multiple times, but to no avail. It's a scam! 

It's an offense that borders on racketeering and other criminal actions. I have been fighting to have those penalties and all associated costs ( taxes, interest, etc. ) removed. We have lived in our home since 2007 and we owe {$20000.00} more than our purchase price. CRIMINAL! 

Please, help. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2022-12-04
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: Tesla, Inc. (CA)

I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX TESLA FINANC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TESLA FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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)

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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 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 2022-09-23
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)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 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 2022-12-04
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: CITIBANK, N.A. (CA)

I do not recall any of these inquiries to below and had already filed an identity theft report. 

CITI CARDS CBNA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX CITI CARDS XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-04
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 (FL)

In accordance with the fair credit Reporting act, Wells Fargo Account # 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 also states a consumer reporting agency can not furnish an 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 2022-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IN)

From XX/XX/XXXX - XX/XX/XXXX Unauthorized change of address submitted to my custodial account. 

I did not notice the unauthorized change of address until I moved and logged into my online banking to change to my new address on XX/XX/XXXX. 

I contacted bank on XX/XX/XXXX & XX/XX/XXXX The unauthorized address that was on my custodial account, is the address of my child 's father who I was never married to and have never shared any accounts with. The address has never been associated with my name. 

I have a active XXXX order under Indiana codes IC 34-26-5, IC 34-26-5-9 My child on the custodial bank account has a current case entry into the Department of State CPIAP program. This case entry is because father is a XXXX XXXX XXXXXXXX, which is documented in court proceedings. 

I need to know how this address got on my account. The bank has no record of address change from the time period XXXX. 
I am requesting further investigation into any and all deleted data on that account. All recorded bank phone calls for that account in that time period of address change. And any IP address that has logged into my online banking. Any data on bank locations visited, other than my local banks I frequently go to.
Consumer complaint received 2022-07-03
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.