davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a dispute to Equifax about a BankRuptcy and Collection account XXXX and asked them to verify the information. Another Letter was sent on XX/XX/XXXX asking them to provide actual proof that these accounts have been verified and are accurate. And have sent yet another letter on XX/XX/XXXX asking again for proof. 

I have done my own research and still disputing with the Third party computer XXXX which they so happen to get this information from and even got a report that contradicts which Equifax is claiming they verified the date filed is not the same and also Reference # is not the same Also included in the dispute was an account with XXXX XXXX showing an account # and Open Date is different from what XXXX has sent to me as well. Which I am also in a dispute with XXXX Date filed on Equifax for Bankruptcy is XX/XX/XXXX and XXXX Shows an open date of XX/XX/XXXX which contradicts where they say they have verified this information from and have yet from both agencies XXXX XXXX and XXXX to give any actual proof of this information as well as Equifax providing actual proof of the investigation they have done in regard to these accounts still being reported on my credit report.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX
Consumer complaint received 2021-11-11
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CT)

I went in to a local Chase bank branch approx XX/XX/XXXX to open credit card accounts for my in-laws and sister-in-law as their Attorney-in-Fact. The POA documents were with me. After an extended time there with a representative, the branch manager became involved and said they will not honor POA for extending credit. I then called Chase executive offices and one of their reps said yes that is their policy. This appears to violate State of Connecticut General Statutes 1-350R/S, and the focus of abuses mentioned here : http : XXXX Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons '' Your assistance is requested in bringing enforcement actions to the institution for so blatantly disregarding their legal responsibilities
Consumer complaint received 2021-11-11
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. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING LLC IS A COLLECTION COMPANY TRYING TO COLLECT BY COURT WITH MY NAME BUT SOCIAL SECURITY NUMBER IS INCORRECT, THE ADDRESS IS INCORRECT IT WASN'T ME AND SENT A AGAINST ACTION TO MY EMPLOYE
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MA)

I received two pieces of mail to my home. One claiming a potentially fraudulent card was applied for in my name for a Home Depot store card provided by CitiBank. Looks very real. The second letter, arriving one day later claims I am approved for this card. Both of these letters look real. At no point did I apply for a Home Depot card.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX  And all inquiries, 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. 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 2022-04-19
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. (NY)

accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC (KY)

In XXXX of 2022, I was issued a summons from a debt collections agency in regards of a debt I owed to a credit card company. This debt came from a result of identity theft. I followed protocol and disputed the debt through the XXXX dispute portal online. I XXXX, I received a letter stating that my wages were to be garnished. On XX/XX/XXXX, I made a call to Lloyd and McDaniel and they stated that my wife called from a cell phone number that is not her number and setup a payment plan for this debt on my behalf. This is illegal. The next day I called back and talked to another lady who told me the same thing and that a payment actually posted from a bank account in which I do not have any association with. The lady became frustrated as I asked questions. She claimed that it was legal for my spouse to setup a payment for my debt ( it is not ). When I asked her for the law that stated that, she hung up. Mind you, all of their phone calls are recorded. It was mentioned once if I would like to hear the phone call for when my wife called in and I said yes, and that was the last it was heard about. On XX/XX/XXXX, I called and spoke to a supervisor. Supervisor was very adamant in saying that my account was placed on hold and there was nothing they could do. He then refused to notify my employer of my account being on hold.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I have recently received an email notification from Discover notifying me that they have decreased my credit line from {$13000.00} to {$500.00} and will close the account within 30 days due to inactivity and recent derogatory information reported by XXXX. Shocked by the information read, I subsequently pull my credit report with XXXX to learned about all the incorrect information reported on me. It appears that my mortgage servicer reported late and missed payments when I have been making prompt payment as agreed during the trial period of a loan modification. Not only did my loan servicer mislead me to agree on a loan modification that further increased my debt, they had also reported negative remarks to the credit bureau to prevent me from getting qualified for a refinance. After making several complaints, the mortgage servicer removed the missed payments but now I have Discover reacting on those false reports which make it very challenging to maintain the clean credit profile that I've worked so hard to maintain and build. I explained the situation to Discover Card but it was all too late as they claim the systematic decision irreversible and advised to apply again. As we all know, applying for new credit and having an old creditor like Discover since 2017 with zero balance suddenly close both have a negative impact to a consumers score. As a consumer that worked hard to maintain a good credit profile and earn a XXXX score isn't very easy, especially during this Pandemic. For Discover to further damage my credit with their account closure was unjustified especially acting on incorrect info. So now I'm a victim of both Discover and mortgage servicer, XXXX XXXX.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LJ Ross Associates (IL)

In accordance with the fair credit Report 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 that a consumer reporting agency can not furnish a account without my 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC. (OK)

Arvest Bank continues to violate the FDCPA on a routine basis including in my issues with them. 
Under FDCPA is clearly states that while an account is in dispute and being verified that NO collection activity may occur. Making a report to a CRA or third party during this time is and has been considered by the US Courts to be a " collection activity ''.

During the period of verification of a debt or alleged debt or account a credit is restricted from making or taking any collection activity. 
The FDCPA clearly defines the period in which a customer is able to dispute an account or matter and that period in which the creditor is restricted from taking actions. 
I had an agreement which I consider to be legally binding in which these disputed accounts would not be reported to a third party. The very next day of such agreement Arvest made a report. The dispute was still in effect and the debt ( s ) had not been verified at that time- and they still have not been fully and appropriately. 
It is clear that Arvest does not intend to abide by federal law and the CFPB should investigate and take appropriate actions. I was able to easily find hundreds of current and former customers of the bank that have suffered in this respect. Arvest is a BULLY and if and when you disagree with them they seek to destroy the person or business. 
A complaint is being filed with the XXXX and the FDIC as their actions in this and others should warrant restrictions of their banking licenses and abilities. Arvest actions appear to be far worse that that of XXXX XXXX in which many federal and state agencies took appropriate actions. 
Arvest was granted a banking license to serve the public, not to create harm and to willfully disregard federal or state banking laws such as the FCRA and the FDCPA. These are the bedrock of our financial systems and protections for the public against entities such as Arvest.

I was contacted by a lawyer that is currently signing up clients for a class action suit against Arvest in which many of these issues are to be addressed. I would believe it would be better if the CFPB, XXXX and the FDIC took action rather than private party legal counsel to do so as it would result in true changes not simply. financial settlement by Arvest to close the matter as they have done in the past.

The actions of Arvest warrant severe action and penalties. I pray that the CFPB will take such action as soon as possible.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MD)

XX/XX/2022 XXXX XXXX transferred certain accounts to GM Marcus Cards. A closed account, I do not have the card for, that to my knowledge has had no balance for years was transferred. GM Marcus refuses to show me the purchases the card supposedly has on it. They can not provide evidence that the purchases are even mine. I am an XXXX XXXX XXXX XXXX XXXX XXXX. All my accounts are on auto-pay ; my other XXXX XXXX has auto-pay on it and purchases I can verify are mine. GM Marcus claims they do not need to provide me the purchases from vendors with dates because the closed account was on auto-pay. I have tried several times to work out a solution with the via the XXXX XXXX XXXX GM Marcus keeps giving the same answer and calling me nonstop to pay them. They are damaging my credit. I am not paying on something that appears to be fraud to me. They will not investigate as fraud. I have tried to get them to ; they are firm on the auto-pay that shows no purchases from vendors or dates. Their behavior is predatory and unethical.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX my tax refund was deposited into the wrong bank account at Citi Bank. 
when i discovered that a mistake had been made i contact my tax preparer and they gave a trace number to ask Citi Bank to trace the funds. Citi Bank told me they couldnt do the trace that the who ever sent the ACH deposite had to call and request a trace. XXXX XXXX did what they asked. CITI bank response was that i have received the fund and had withdrew them. which is not true. but when i spoke to citi bank they told me that this account do not exist. that money should have reverse back to sender but they never received it. That ACH deposite was in the amount of XXXX made on XX/XX/2021. Then they said the account do exist and the money was deposited in that account and the couldnt reverse it back to them. when i spoke to them they told me that they couldnt find the money. On XX/XX/XXXX my stimulus check was deposited into the same account. when irs did a trace they told them i had received the money and that was my account and it had all my information for that account. my stimulus check was for XXXX after all this took place they closed my account.CIti Bank has taken XXXX from me. This the tracking number that XXXX XXXX bank has given to me XXXX. Hope all this make since. i been dealing with this since XXXX. Wrong account and this cant get no help from CITI BANK
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-02
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. (TX)

the account DP OF EDUC XXXX is reported three times on my Equifax credit report. Same with DPEDXXXX XXXX. This is a total misunderstanding. I have a student loan which was granted DPEDXXXX XXXX. My loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NC)

This debt is from XXXX XXXX I have never lived there. When I asked for proof of vaildation they ( Plusfour ) sent me a something that looks like it was written up on a spread sheet and some items on it was blacked out, while others were highlighted. When I tried to call to speak to a representative they told me they couldn't speak to me that they didn't have a license to collect debt in North Carolina. They told me that they had to send this to their sister company in South Carolina. When I sent a certified letter to them asking for proof my letter was returned to unknown sender. This has been on my credit report for a while and I have bee trying to get to the bottom of this to no avail. I purchased a car in XXXX last year and this has hindered my rate on my car purchase. First they told me the balance was XXXX and now its reporting XXXX, If I'm not mistaken I do believe they are violating state and federal laws by trying to collect more than what is owed according to information I have found on the website.
Consumer complaint received 2019-07-02
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: FC HoldCo LLC (TX)

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX NEW ACCT XXXX., XXXX XXXX FLAGSHIP CREDIT ACE., and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Consumer complaint received 2022-10-15
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. (NY)

In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : XXXX XXXX XXXX : # XXXX
Consumer complaint received 2021-10-26
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)

You contacted me for feedback on how my previous complaint had worked out for me. Equifax promised that they would in fact finally send me a copy of my Equifax report even though this was my fifth attempt to receive it. 

To date, I still have yet to receive my Equifax report. I am at the poinXXXX where I feel I have no choice but to file a civil suit in my county 's small claims court.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.