davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (IA)

I spoke to XXXX XXXX XXXX today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over XXXX XXXX XXXX which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX  which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXX XXXX  and they want payment i informed XXXX XXXX  that there was a payment agreement that was set up thru XXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXX XXXX  Fast forward to XXXX when i called XXXX XXXX XXXX as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
Consumer complaint received 2022-08-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 an account without my written instructions
Consumer complaint received 2022-08-02
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 XXXX XXXX XXXX has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

Equifax is reporting that XXXX XXXX XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. Equifax is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (AZ)

I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.
Consumer complaint received 2022-12-21
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 written to Equifax many times about an item that is listed as a " collection '' on my Equifax ( only ) report. however it is a blank name. yet they will NOT answer my letter for information ( including a name of reporting party ). and they continue to keep this inaccurate and incomplete item on my report damaging me.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Chase replied that on claim number XXXX for debit card transactions to XXXX totaling {$750.00}, they only approved the claim for two of the transactions totaling {$61.00}. They denied the claim for the remaining transactions because they were not reported to Chase within the 60-day timeframe. On the claim number XXXX for debit card transactions to XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to us within the 60-day timeframe. I asked Chase to provide a list of all the denied transactions to make sure the denial is appropriate. We notified Chase about fraudulent transactions on the minor 's account on XX/XX/2022. As such, Chase should refund all the fraudulent transections that occurred after XX/XX/2022. There is a sentence in the letter from Chase that I am not understanding and would like them to clarify : " These transactions occurred more than 60 days after we sent the first statement for the transactions on your related claim. '' Based on the attached document, Chase incorrectly denied refunding of the fraudulent transactions. Besides, the amount on the transactions they sent in their latest later does not match up with the original not-refunded amount of {$700.00} they communicated earlier.
Consumer complaint received 2022-09-29
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)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2022-12-13
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. (CO)

1 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (KS)

I was made aware of these fraudulent accounts a few years ago. I have talked to Barclays on several occasions about closing these accounts and making sure that no other accounts could be opened in my name. The company said everything was shut down in 2022 and that they were removing them from my credit report. Instead of doing that, they have continued to report these fraudulent accounts. The inaccurate reporting has cost me my job as an accountant, and I have been denied credit all because of these accounts that were opened without my knowledge.
Consumer complaint received 2022-08-23
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: JPMORGAN CHASE & CO. (AZ)

This response is regarding the {$1100.00} Invoice No. XXXX Invoice Date : XX/XX/2022 totaling {$1100.00} from XXXX XXXX. This invoice from XXXX XXXX was received for the first time on XX/XX/2022 despite services rendered five months or more earlier. There was never an invoice from XXXX XXXX prior to this date and there is no support for the charges on this invoice. An initial payment was made on XX/XX/2022 for {$650.00} for delivery and weight up to three tons and a second payment was made on XX/XX/2022 for {$740.00} for weight overage charges. It was the customers understanding that these charges totaling {$1400.00} were payment in full and the account was settled. Subsequently, and with no prior notice or discussion, and no invoice, a third charge was received on XX/XX/2022 for an additional {$850.00} which was disputed. Now Invoice XXXX has been received for an additional {$1100.00} requesting another {$650.00} dumpster rental and for three dry run charges at {$150.00} each totaling {$450.00}. According to XXXX XXXX own XXXX XXXX XXXX run charges are {$50.00} and XXXX  are {$470.00}. We have paid {$650.00} for a {$470.00} dumpster rental already. Please continue this dispute. At this point we do not trust any documentation provided by XXXX XXXX. XXXX XXXX appears to be creating increased invoices as time passes. Enclosed is a copy of XXXX XXXX XXXX Rules reflecting {$470.00} for a rolloff and {$50.00} for a dry run. As a reflection of the dumpster market, typically, a 20 yard dumpster 's average cost is approximately {$450.00}. Because the dumpster was in XXXX the {$470.00} was approved. Chase is not been willing to help. i mailed 2 certified letters to XXXX XXXX without any success. chase don't even bother reading the letters. unacceptable. I'm a great Chase client. also, any dumpster anywhere is not more than {$650.00}. we paid already XXXX XXXX  {$1400.00} ... .for one dumpster ... one trip ... outrageous and fraudulent that they want another $ XXXX.scammers!!!!
Consumer complaint received 2022-09-29
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-13
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, WELLS FARGO XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-09-29
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)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Tried to open account with wells fargo online. Completed the process and got an email that due to fraud they believed they are closing the account. BUT they took the money out of the linked chase account. The chase account was deducted {$500.00}. Wells fargo shows {$0.00} balance. 3 hours of calls and still no money back from wells fargo, no one knows the right department and I am now ~1 week without my {$500.00}. If they dont want my account fine but dont take the money to fund the new account then decline it and fail to return the money.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have reached out to XXXX, Equifax, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

When I try to use the " Need Help Signing In? '' feature on the Equifax website, I get an error message that says " We are temporarily unable to complete this request. '' I have tried several times now to get access to my account, but this continues to happen.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting Act, This " creditor '' has violated my rights under 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. Under 15 USC 1666 b. 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: 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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681.And they violated my rights numerous times. 
I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 
ATTORNEY GENERAL-CHI # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.