davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (NJ)

I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax Mortgage Service - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX 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 XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
Consumer complaint received 2022-04-28
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. (MI)

On XX/XX/2022, I sent a letter to the credit bureau about inaccuracies on my credit report. I have yet to receive a response after more than 30 days. I feel as if I'm being taken advantage of and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to examine these matters within 30 days gives a basis to remove those items from my credit report immediately ; it has been 30 days without a response, and they should be erased as soon as possible. I demand that these accounts be deleted immediately, or I will initiate a lawsuit to compensate me for the stress you have caused me. In addition, the Equifax data breach exposed my personal information, which may have ended up in the hands of the wrong person.
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (VA)

So I went to the hospital in XXXX XXXX  XXXX around the beginning of XX/XX/2016. It was an emergency situation and I needed immediate care. According to XXXX, the hospital that billed them, XXXX XXXX, submitted their claim twice. 

The first time they sent it, according to XXXX, they sent me a check for what I assume is the deductible ( {$200.00} ). From what I can recall, I paid using my own money all of the deductibles to XXXX XXXX directly. 

Then, XXXX XXXX submitted the bill a second time. XXXX, this time, sent XXXX XXXX a check for XXXX. I am not sure why this is my problem or my debt. Their claim should be against XXXX XXXX to refund the check and not their policy holder. 

I fulfilled all of my contractual obligations, and because of XXXXXXXX XXXX XXXXXXXX up they want to hold me accountable. I vigorously deny that this debt is owed to XXXX by me. They should collect against XXXX XXXX. 

In addition, XXXX never even let me know about the outstanding charge until I received a letter from what looks like a law firm, Lamont , Hanley & Associates, Inc.
Consumer complaint received 2022-10-28
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. (WA)

XXXX XXXX XXXX are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection
Consumer complaint received 2022-04-28
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 (NY)

In accordance with fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Consumer complaint received 2022-10-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX regarding 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
Consumer complaint received 2022-10-28
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (TN)

On XX/XX/22 After reviewing my credit report I noticed a debt list from a company called Key 2 Recovery Inc. I contacted them by phone to speak with someone about the debt. I requested information to be sent to me about the debt I was hung up on I called back 5 times I talked to a supervisor he stated a letter was sent to my current address on XX/XX/22 requesting for me to confirm or disputed the debt. I requested for a copy of the original letter to be sent to me via certified mail. Supervisor refused and stated I will send it via email I decline again I was hung up on. I have made XXXX other attempts to contact Key 2 Recovery they pick up the phone and not say any thing.
Consumer complaint received 2022-04-28
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 following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

Opened a secured credit card almost 3 years ago and was told it will " graduate '' to an unsecured card within a year resulting in a higher credit limit and refund of my deposit. Has not happened and when I call to ask for information, they only say " we aren't sure why. '' Since then, my credit has improved significantly and I have no trouble getting pre-approvals or limit increases yet this card is sitting there in limbo
Consumer complaint received 2022-04-28
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. (SC)

In accordance with the fair credit reporting act XXXX 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 : it also states a consumer reporting agency can not furnish a 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 2022-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

XX/XX/22 I received a letter from Wells Fargo indicating they were closing my account because it was either compromised or impacted by potential identity theft. I have NEVER opened an account with Wells Fargo. 
XX/XX/22 I received a postcard from Wells Fargo stating " unable to email you about your online statements. Please sign onto wellsfargo.com from your computer to view your statements '' I have tried to reach a representative of Wells Fargo at XXXX ( phone number provided in letter ) to discuss this fraudulent account. On hold for over 30 minutes each time without talking to a human being.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I closed a secured credit card, named XXXX XXXX, with Citibank. At the time of closure I requested my deposit of {$2500.00} be returned. On XX/XX/2022 I received a letter from Citibank confirming the closure of the account but was informed Citibank would retain my deposit for 21 days per Citibanks policy. Under Regulation DD, 12 CFR 1030.2 ( a ), once the account is closed the {$2500.00} would be considered a depository account and are subject to Truth in Savings Act regulations. Per12 CFR 1030.2 of the Regulation DD, these funds are required to accrue interest until the funds are withdrawn from said depository account and returned to the consumer. I contacted Citibank on XX/XX/2022 at XXXX PST requesting either the accrual of interest or an immediate withdrawal and refund of the {$2500.00}. I spoke with a supervisor by the name of XXXX who refused to do either. I purport Citibank has used my funds for their institutional investment purposes and as such are benefiting from retaining my deposit for 21 days. Therefore the full regulations under the Truth in Savings Act apply and Citibank must comply.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

There is an alleged account on my credit report that is reporting incorrectly and should not be on my report. This company has sent me a letter of discharge stating that the account has been discharged and should be removed from my credit report but it is still reporting.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Westlake Services, LLC (IL)

XX/XX/2021 today at purchased the vehicle of {$8000.00} down payment the car was famous did XXXX something dollars Extra fees get an idea where my car payments are going up and the loan is going up Ive had problems with the car since day one I went threw a new transmission and engine already its been 4 months since I had the car I reach out to the dealership and bank no help from either side I feel like I was beat out of {$8000.00} now they wont let me trade it in they say I need another down payment and credit ran again now Im stuck with a broke car and still responsible for the car note
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I

need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from ref
urnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2022-04-28
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. (SC)

In accordance with the fair credit reporting act XXXX  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 : it also states a consumer reporting agency can not furnish a 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 2022-04-28
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. (MI)

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX XXXX  at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (WA)

We ended our service with XXXX  in XX/XX/XXXX. My wife scheduled an appointment and returned the equipment to the XXXX location on XXXX XXXXXXXX XXXX XXXXXXXX WA. In XX/XX/XXXX, she received a text about equipment that wasnt returned. When she tried calling XXXXXXXX she could t get through because our account and been closed. She decided to try logging into the XXXX account and noticed a past due balance of {$330.00} on XX/XX/XXXX. We then noticed a collection account listed on my credit report from XXXX for XXXX in the amount of {$230.00}. She called XXXX on XX/XX/XXXX annd spoke with a rep named XXXX and inquired why there was a collection and XXXX indicated they never sent us to collections and the account had been paid in full. After being transferred numerous times, she found out that they thought the equipment wasnt returned, but they did have record of the equipment being returned as she said. After that was discovered, XXXX still insisted that they never sent us to collections, and that we owe them nothing and they owe us nothing because the account was paid in full, and her information was incorrect and there a houldnt have been a balance on the account. They could not provide any contact information for XXXX because they didnt have record of a collection with XXXX  XXXX My wife emailed multiple times and tried to contact upper management with XXXX to figure out a resolution considering the collection account was listed in error and we over paid XXXX by {$330.00}. They then updated the online account to show a credit of {$100.00} which they later removed. She was told to go to the location the equipment was returned to and they can fix the error with the account, but insisted there was no collection. 
She then called XXXX on XX/XX/XXXX after finding their contact information online, and tried to inquire about the debt. They told her they cant help her and dont work with XXXX anymore and wouldnt provide her any information and the rep continued to say she cant help. So my wife asked if she was on a recorded line and started her name, my information and why she was calling because the representative continued to deny her request for assistance. I have filed a dispute with XXXX where the collection account is listed, but I have no way of finding out who is holding the collection account or how to resolve it due to a lack of information from XXXX and XXXX and their unwillingness to provide that information.
Consumer complaint received 2022-04-28
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. (WA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International charged my card after i specifically told them to move the account to further processing and credit reporting. Throughout the four separate calls I had with them to discuss alternative options, I was threatened with negative credit reporting including being told that I wouldn't be able to get another apartment unless I paid in full, as well as advised to seek legal counseling as there may be further action taken if not payed ( a veiled attempt at threatening prosecution ). 

When I called this morning to have the charge reversed, they began transferring me directly to voicemails and then eventually ignored my calls altogether. My representative is XXXX, XXXX XXXX XXXX at XXXX. I am unable to afford my entire rent payment after this and they are unwilling to take any responsibility after they advised that the card wouldnt be charged as well as I insisted that the card i provided ( after being assured that it was merely to 'lock down ' a 7 day prevention on the account from being sent to credit for review ) was removed in two separate discussions.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (NJ)

In accordance with the fair credit Reporting act Equifax has violated my rights. 

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 a 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.