davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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 US BANKRUPTCY COURT XXXX XXXX XXXX Account/Reference # 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 2022-06-09
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.

15 U.S.C 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 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

unauthorized inquiries : - XXXX XXXX Miscellaneous Individual XX/XX/XXXX - XXXX XXXX  XXXX  Installment Loans Individual XX/XX/XXXX - XXXX/XXXX Credit Cards XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Personal Loan Companies Individual XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX Credit Cards Individual XX/XX/XXXX - XXXX/XXXX XXXX Sales Financing Individual XX/XX/XXXX - XXXX XXXX Personal Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Credit Cards XXXX XX/XX/XXXX - XXXX  XXXX Miscellaneous Individual XX/XX/XXXX - XXXXXXXX Credit Cards Individual XX/XX/XXXX XXXX XXXX XXXX  Sales Financing Individual XX/XX/XXXX XXXX
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IL)

On XXXX XXXX I visited my local Wells Fargo branch to close my checking account. I provided all documents, IDs, PIN, answered questions, and codes they asked for. However they denied to close the account. I was told they would close the account on XX/XX/XXXX. Date of closure passed. They send another letter itll be closed XX/XX/XXXX. Still not closed. I call them and they want 8 more days to close the account. Its been over a month since they have frozen my money and kept it. {$57000.00}. Never had overdrafts/claims/etc. I have tried working with them and filed a complaint with XXXX, to which they just keep saying they will close the account soon and send a cashiers check. Ive talked to an attorney already and they have violated multiple laws and regulations. Mostly being the holding of my funds for over a month without have a legal authorization or reason to do so.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

Requested that HRRG provide binding contract with two signatures for this alleged debt, but HRRG fail to provide. Illegal amount calls per violation of Fair Debt Collection Practice Act. Request to cease and desist.
Consumer complaint received 2022-07-04
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: Colony Brands, Inc. (FL)

I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my floc info showing I was incarcerated.. they updated my reported with higher balance
Consumer complaint received 2022-06-15
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: AFNI INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

For XXXX years equifax has refused to investigate, or have stated that they verified the bankruptcy XXXX on my report, it can not be verified they refused to respomd to numerous disputes and in some cases didnt respond. I have done numerous complaints to the cfpb, i want this account deleted immediately and i seek damages
Consumer complaint received 2022-06-15
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. (TX)

In Accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX I wish to register a strong complaint against Barclays Bank. 

They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement.

-Brief Explanation- I have a Barclays Barclaycard credit card. 

On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently. 

I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX. 

I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND. 

So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}. 

Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up. 

So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage. 

Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND. 

It made no difference their mindless reply... send 'fraud report ' or call us! 

So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges.

They have not responded.

The fraudulent charges have not been removed from my statement! 

They have now filed adverse reports with the credit tracking agencies.
Consumer complaint received 2022-04-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IN)

AD Astra Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has been sending me collection notices in the amount of {$300.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (TX)

The company is denying to review my dispute after they failed to properly notice me of the dispute documents they needed I did in fact send in the documents they just never told me which ones I didnt send
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (GA)

Around the XXXX of XXXX I noticed that the money I had saved for my grandchild was missing so I called Chime to report it and I told them I did authorize this transaction. For about a few days they emailed me and said there's nothing they can do. I've begged and pleased with them that I didn't do this. After that I called everyday and did everything they asked me to do but it's like they didn't investigate the situation at all!! I've reopened the case so many times that now they just ignore me. All I wanted was my money back and to be done with Chime!!
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Metacorp LLC (CO)

This company sent me text messages on XX/XX/XXXX and XX/XX/XXXX with a vague message about trying to contact me about a debt. When I responded to them they immediately asked for my full name, Last 4 of social, date of birth, and address. Basically, everything one needs to steal my identity. I informed them that they should send any bills to my address. Not hard to find. Its public information. They continue to refuse sending me any written communication about the debt unless I give them all my personal information. 

Today, they left a message on my cell phone. They then proceeded to call any and everybody Ive been in contact with. My in laws, my brother, my old work friend from years ago, and who knows how many other people that havent reached out to me yet. I called and spoke with somebody at the office of Metacorp LLC in XXXX, NY who again wanted me to freely give up all my personal information. She adamantly refused to even identify herself as a debt collector unless I gave up all said personal information to a complete stranger. They refused again to send me a notice of the debt by mail. 
If this is a valid tactic and a valid company it is no wonder Americans continue to get their identities stolen. They are so harassing and embarrassing to people that they just want it to stop and give out personal info. I was under the impression this company is required by law to send me a written notification of said debt. Isnt XXXX XXXX from MetaCorp required to identify herself as a debt collector? She straight up refused. How is any of this legal? 

Not to mention this company has a somewhat shady history according to the internet. Are they really buying up non-legally binding debt for Pennies on the dollar and then illegally harassing consumers who arent aware of their rights? This is so shameful. This company needs to be stopped.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update or delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX : {$0.00}
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I got a notification on XX/XX/2022 from my XXXX  XXXX XXXX XXXX alert that there was a new inquiry on my transition credit report " hard inquiry '' that i did not recognize. I checked my transition report on XXXX XXXX and there was an inquiry from a place called XXXX XXXX with ( miscellaneous ) after it. I do not know who/what this company is and i did not authorize anyone to pull a hard pull of my credit. I called transition and said that they have seen this from the company before and that there only number is an automated response. I was advised to file a report with the FTC and do send it to transition.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (WI)

I used to live in the XXXX XXXXXXXX XXXX from XXXX always payed the rent on time then either the owner sold the property or got a new management team, after that the upkeep on the property was basically nonexistent which caused a XXXX  infestation so i was force to leave they also told me personally that they no longer had the documents from before they bought the property now years later i check my credit report and realize they have been garnishing my wages they have already taken about {$4100.00} and i dont know why please help because I know that im being taken advantage of.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services (AZ)

Sent a request on XX/XX/2022 to provide a binding contract with two signatures from me, XXXX XXXX and LENDMARK, but LENDMARK refuse to provide. Requested that LENDMARK be removed from my credit reports due to fraudulent acts of accessing my report without consent, LENDMARK refuse to comply.
Consumer complaint received 2022-06-14
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. (MA)

In accordance with the Fair Credit reporting act 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 an account without my written instructions.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TN)

A charge off needs to be removed from my credit report for XXXX bank. It was part of a bankruptcy in XXXX  and should not be on my report. Please see the attached paperwork. It will be taken off a month or XXXX and then XXXX Bank will add it back. 

XXXX XXXX service was determined by the judge as a debt for my ex husband in the Divorce Decree. I would like it removed from my credit. Please see the attached file.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # 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 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 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 2022-06-11
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am being reported as delinquent on my community account XXXX due to no payment. As is well known by now, XXXX XXXX has been down for weeks and no access to accounts and no payments can be made, not online, not by phone and not by customer service. As of today, payments and account access are still not available to be made or accessed. Thousands have documented this on XXXX and XXXX. XXXX had originally claimed only 2 days were affected, but many, like myself have not had access going on 3 weeks. I have never missed a payment and now this has a negative remark on my credit reports and my score has gone down significantly.
Consumer complaint received 2022-06-10
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX XXXX 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 2022-06-10
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. (TX)

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked TransUnion to investigate these accounts on several occasions. TransUnion stated that they did a complete investigation on these accounts and that the accounts are reporting accurately. How is that possible when the accounts have multiple violations where the open date is inaccurate, the date of last activity is inaccurate, the date of last report is inaccurate. This is grounds for immediate removal because these accounts were said to be investigated but they were not. Also TransUnion has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

Please see accounts attached in documents