davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Equifax from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-28
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. (GA)

On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA
Consumer complaint received 2022-04-25
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)

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX CARD SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX  -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2022-06-28
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. (DE)

I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report
Consumer complaint received 2022-11-30
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. (IN)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

This morning I received 2 letters from Wells Fargo bank advising they had received a notice of garnishment and on XX/XX/XXXX, they took {$220.00} plus {$120.00} bank fee from my savings account. This amount actually closed the account.This garnishment belonged to my daughter who is not not my savings acct except as beneficiary. The second letter advised that since my income is S/S they could not take it. I went to the bank this morning and their employee, XXXX XXXX XXXX verified that my account was in my name only with her name as beneficiary. My daughter is a joint tenant on my checking account because when my husband passed away I wanted to make it easier for her in case of my demise. She has not put money in the account nor taken money out, it is strictly my S/S and a very small pension in the amount of {$39.00} My complaint is not with Wells Fargo since they realized the error when I called them, so my complaint is with the Franchise Tax Board of Calif. They never contacted my daughter about this debt and she has not lived in Calif for a number of years, so she didn't even know, that according to them, she has a balance. I don't know how they got my name and banking information because I don't live in Calif either and haven't since 2015 and even then my husband and I did not file taxes because we did not make enough money. They caused me a lot of undue grief when I got those letters showing my savings was gone. It may not seem like much, but on my fixed income it was devastating to me. And when I called Wells Fargo they verified that my daughter was not on the savings acct. If you need any additional information please feel free to contact me.
Consumer complaint received 2023-03-19
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. (OH)

I have tried to Dispute Multiple times With Equifax about Credit inquiries that were done without my authorization Credit Inquiries that need to be removed are listed below. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-28
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Collections Inc (OR)

Background : XXXX! XXXX XXXX is a bait-and-switch operation that uses a false webpage to shunt customers to its services, preventing consumers from researching the company and discovering the numerous XXXX XXXX XXXX reports of its fraudulent business practices. In addition, the company is unaccredited due to these reports and has a pattern of predatory actions against hapless consumers. 

Documentation : XXXX XXXX, XXXX Called Squirrel In The Attic ( XXXX ), which went to a call center. Spoke with Montres and said I had squirrels in my roof and I know where the hole in the roof is where they are entering asked if the company could place traps near the hole. He said I could make an appointment to have a tech come and say if that was possible gave me a quote of {$280.00} inspection and setup and range of $ XXXX for pickups. Scheduled the tech to come on XXXX XXXX. 

XXXX XXXX, XXXX XXXX! XXXX XXXX arrived at XXXX, and said they werent allowed to walk on roofs so couldnt place traps near the squirrel entrance. They only place traps on the ground or at the base of trees. I said that would have been nice to know and he shouldn't have come out. He said I would owe {$100.00} for the call. said that information was not provided to me by the dispatcher and I would not pay it. 

XXXX XXXX  Received call from male XXXX! Employee ( I think XXXX XXXX who said I owed {$100.00} and I said that information had not been provided to me by the dispatcher and I would not pay. He said it was common practice to charge for a call, even if that information wasn't provided to the customer. I asked why they dont place traps on the roof and he said they dont have the insurance. 

XXXX XXXX, XXXX Asst Collections, Inc sends demand for payment XXXX XXXX, XXXX Emailed Asset Collections , IncXXXX to dispute the debt, did not receive a response XX/XX/ XXXX Asset Collections, Inc. sends Final Demand for Payment
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (NV)

On XX/XX/XXXX I checked my XXXX XXXX account and noticed a hard hit on my credit. Upon immediate review I learned that a debt collection agency ( Grant Mercantile of XXXX California ) had received/opened an account on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California ) . It was noted that the account in collections was opened XX/XX/XXXX. 

***I was not aware of the debt, received NO verbal communication, NO written notification from either XXXX XXXX or Grant Mercantile. *** Friday XX/XX/XXXX I called Grant Mercantile to get information as to why this debt ( from XXXX XXXX XXXX ) was sent to collections. The agent I spoke to ( XXXX I believe ) had no information. She said she would research it and they would contact me by phone. 

I called again the following Monday ( XX/XX/XXXX and also XX/XX/XXXX ) with the same outcome. I proceeded to try to call XXXX XXXX XXXX again, for a total of three attempts to speak to someone in billing. 

I find this incredibly irresponsible and unprofessional on both agencies, the lack of communication, record keeping and reasoning to hold my account in collections is disturbing not to mention critically impacting my credit score. A professional debt collector should collect basic information at minimal, there should be no reason to open an account with no reasoning. 

I was not aware that insurance had finally paid their portion of this bill until I had to research this mess on my own. The remaining balance left ( from an initial amount of around {$1700.00} ) is under {$400.00}. 

Grant Mercantile states on their website that they are a XXXX XXXX XXXX XXXX and was founded in XXXX. They also state : XXXX takes great pride in providing superior service and exceptional recoveries XXXX collectors are trained to assist debtors as counselors and advisors. Our goal is to help our debtors repay their debts as quickly as possible. 

With the experience I have had with them I can attest to the unprofessional nature, they have certainly not held to any of their own set standards. My credit score prior to their hasty account opening was XXXX, which certainly does not reflect irresponsibility on my part.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (MD)

Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. 

US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. 

US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). 

I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. 

I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. 

I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. 

RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. 

THANK YOU I
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC (FL)

I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.
Consumer complaint received 2022-11-30
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. (NJ)

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. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (KY)

On XX/XX/2022 I received a preapproved loan with XXXX XXXX XXXXXXXX through Credit Karma. That was the only reason for me submitting the application at that time. I was then denied that loan for {$5000.00} preapproval amount. XXXX XXXX XXXX contacted me on XX/XX/2022 via email and phone call informing me of the the denied loan. Stating I have high utilization credit, and too many open credit accounts ( I was not sure what that meant ) being the reason for my denied loan. When reviewing the email it stated XXXX determined I was not approved, but under Credit Karma no information is being reporting from XXXX, only from XXXX and XXXX. So I had no knowledge of the information from XXXX through my Credit Karma account.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE (CA)

I opened Online Savings on XX/XX/XXXX at barclaysus.com. On XX/XX/XXXX, I received an email saying that my account was suspended. I called XXXX and they said " it is confirmed fraud '' even though I answered all of their security questions. I asked them if they could tell me any reason for being flagged as fraudulent, and they said they do not have that information. Then, I received mail and emails saying that I could deposit. Then, I called them on XX/XX/XXXX and they said the mail should be a mistake and " it is a confirmed fraud ''. I told them they are legally obligated to tell me the reason and or reason codes and they said the fraud department does not share any information with them. I am not sure why they are doing this. I think this is nothing but a discrimination. There should be a reason for being flagged as fraud, but they do not want to tell me what it is. They say the account is not opened but I keep getting emails and mail saying that I can deposit. Thank you for your time and help
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MN)

I received information that I was part of the Wellsfargo unauthorized account openings, I got letters from Wellsfargo stating that I was removed from liability from those accounts. However within those account still are reporting on XXXX XXXX XXXX. They are also on Wellsfargo systems as negative reporting accounts.
Consumer complaint received 2022-06-28
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: SYNCHRONY FINANCIAL (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-21
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. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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.