davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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: SECURITY FINANCE CORP (MO)

Every time I look I get a hard inquiry from XXXX. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
Consumer complaint received 2022-08-29
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. (NJ)

On XX/XX/2022, and XX/XX/2022 I filed disputes with Equifax, XXXX, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXXXXXX XXXX  Account # XXXX. Account is not mine.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2021-12-28
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-12
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. (TX)

EQUIFAX Validate this account that you stated verified, you Equifax have not responded to this as you claimed on CFPB complaint XXXX XXXX XXXX  so you know I will be filing with the TX attorney Gen, FTC, because I see that the CFPB lets you go around anything the consumer needs VALIDATE this account that you verified Your name, your employee ID #, contact information Whom you talked their name, their employee ID # what was said on both parties IN DETAIL the time and date, anyone else you had contact with their names contact information employee ID # what was said in detail copy of original contract with my signature on it who they may have sold the account with my signature on the sale a copy of the sales contract. under15 U.S.C.1602 { f } my social security Number was used in a transaction and you state that the above named company is the original creditor FALSE my ssi card number is a credit card look it up that makes myself the original creditor and have full control under the above U.S.C . code making the account you are reporting a fraud XXXX XXXX XXXX IS A DEBTOR under15 U.S.C1692e { 2 } read it!, validate this debt
Consumer complaint received 2021-04-13
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

I received a copy of my credit report and this account GM Financial is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (NJ)

Ally Financial account # XXXX My name is XXXX XXXX XXXX. I was trying to pay my loan in full and when I called they told me after paying for 3 years I still owe XXXX in principal. I checked the statements online for every payment and made a chart. They are charging much more in interest monthly than adding to principal. I have a contract which was initially signed in dealership of annual interest 12.69 % with a total of XXXX financial charge and now is a different story. I need help please. My phone number is XXXX XXXX Thank you
Consumer complaint received 2021-10-18
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: VALLEY NATIONAL BANCORP (NY)

these accounts that appear on my credit report do not belong to me, do not belong to me, please check them, they are hurting me. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft 10 NEW YORK XXXX XXXX XXXX Account Number : XXXX This is not mine
Consumer complaint received 2018-01-12
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. (AZ)

we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - US DEPT. OF EDUCATIONXXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A- 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-28
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. (GA)

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (PA)

This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX ..Do not use the XXXX system.. 
PNCs Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( PNC )  letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX 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 Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (AZ)

On XX/XX/2021 at XXXX, XXXX XXXX XXXX a representative of XXXX XXXX XXXX spoke to my husband about my supposed debt. He served him with papers from XXXX XXXX XXXX. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital (CA)

I received several missed calls in the last week that led to voicemails telling me I needed to contact a XXXX XXXX back the he was a from a law firm dealing with a pre-legal matter before they file a lawsuit against me. I called him back and spoke with him, he told me he was attempting to collect the money I owed XXXX. That I committed fraud against them and they'd be filing a lawsuit if I didn't make arrangements with him. I told him I wasn't sure what, if anything I could do and wouldn't know at the moment due to a court case with my ex I was in. He said he'd call back next week and see how low he can get it. 
The next week came and I again wasn't able to pick up my phone ( I already explained to him it's our busy season at work and I can't be on my phone ). He left a message again and continued to call 3 more times. He then proceeded to call my Aunt and Uncle and left a Voice mail on their landline saying I was in a lot of trouble and he was trying to locate me. Then said I owed a lot of money to them and I was on the run.

Mr. XXXX not only false identified himself as a lawyer, he threatened legal action, called multiple times including my place of employment and family members, and he actually left messages to my family members stating untrue facts.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received an email from Citibank saying that my account ( s ) will be closed on XX/XX/2021. I tried to reach out to my personal Citi banker and the Citi fraud prevention department many times via phone. They told me that the two wire transfers on XX/XX/XXXX and XX/XX/XXXX with total amount $ XXXX seemed fraudulent. They could not verify the money belongs to me and they will send the money to unemployment department. I have all of wire transfer records, bank statements and tax documents that can prove that the two wire transfers were from my own XXXX checking account and the sources of the money are fraudless. Citibank didn't verify any information with me and would not return the money to me. 

Citibank said they were trying to reach out to me to verify the account. However, I haven't receive any email or text regarding this issue. The only email I received is the one saying that they are going to close my account. I was traveling aboard due to a family emergency so that I might not receive phone calls, but I checked my messages and emails regularly. Why there was not a single message or email related to my issue? 

When I reached out to Citibank to provide more information, Citibank refused to verify any information and decided to send the money to unemployment department. That is not fair to me at all. The money belongs to me and I have right to get it back. My personal property should be protected.
Consumer complaint received 2018-10-05
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. (CA)

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, XXXX AND EQUIFAX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXX-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
EQUIFAX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

About a year ago I opened a credit card with Mattress firm/ Synchrony Bank and signed up because they offered no interest for four years and a low payment of {$48.00} a month. I paid more than the minimum several times and did fall behind due to car issues that took priory. 

Last month they closed my account on my credit which hurt my credit and per my credit I was always on time with Synchrony and paying down the balance to show I had more credit available. I did not know they closed it till I received a credit alert from XXXX   that my credit had changed. I contacted Synchrony and at first they could not tell me but after I expressed my frustration they were able to " find the letter they sent me '' and it stated due to my credit they decided to close my account, even though I was never late according to my credit report. It is in their contract that they will monitor your credit and have the ability to close the account if they wish. If i would have known they were monitoring my credit when I signed up, I would have never accepted the terms. 

Currently I owe them for my XXXX payment and they continue to call me 5-6 times a day, sometimes leaving multiple voicemails. I intend to pay next week with my pay check and let them know they are to stop calling me. But I feel it is a form of harassment and deceptive practices. 

They are quick to grant you the fiance then are quick to close it which does nothing but hurt the consumer. I will never sign up with a Synchony bank provider and it is sad because there are a lot of companies who use this provider to service their finance.
Consumer complaint received 2021-12-28
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. (DE)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

I entered a consumer credit transaction on XX/XX/2021 with care credit synchrony bank. They directed me to a site to verify my identity I completed and the rep on phone told me I was denied for insufficient credit history.They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction.