davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following account was report to the police department credit card open without my permission no signature was filled out by me. 


Account Info Hover over labels for more details Balance {$680.00} Credit {$500.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Account XXXX Close credit {$300.00} Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms
Consumer complaint received 2022-01-27
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. (NV)

I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc. (AZ)

Paid {$160.00} on a medical bill, I was told by Paying the account it would be removed from my credit report, it's been 4 months and it still shows on my report RSI, XXXX Confirmation number XXXX
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 XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (OH)

P & B CAPITAL GROUP LLXXXX is reporting debt to XXXX of {$2500.00}. It says account was opened XX/XX/2022, which means they should have sent a letter to a current and accurate address, but I never received a single letter from this company. I don't have any credit accounts or loans for {$2500.00} and I was never given 30 days to dispute the debt. I have know idea who this company is. If this account if it's not removed from XXXX, I will file a suit and use there response to this dispute against them.
Consumer complaint received 2022-08-01
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: FBC MORTGAGE, LLC (FL)

My XXXX score went from XXXX to XXXX in XXXX months. This caused my alarm. Further research and a company named FBC Mortgage did a hard inquiry on my credit. I did not authorize this. 

First address from XXXX : XXXX XXXX XXXX XXXX FL XXXX Left a message with their legal and received no response : XXXX XXXX Next hard inquiry was for FBC Mortgage from XXXX Certified Credit XXXX Cabot Rs # XXXX XXXX XXXX CA XXXX No phone number available
Consumer complaint received 2022-01-27
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. (OH)

XXXX  XXXX XXXX gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, XXXX in XXXX. I did NOT reaffirm this debt yet every time XXXX XXXX XXXX gives to XXXX ( XXXX now since XXXX ). XXXX puts on my credit report, Currently only showing on Equifax. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX  XXXX XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.
Consumer complaint received 2020-01-07
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. (UT)

XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Second notification from Transworld systems inc Collection agency XXXX XXXX XXXX XXXX XXXX For XX/XX/XXXX, pa XXXX To collect a debt that was never owed nor a debt in the amount of {$110.00}. Please have this company stop harassing me with these letters. Thank you.
Consumer complaint received 2022-10-07
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. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USC 's 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 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION (AR)

I cant view statements or make payments on my account because they have blocked my access to the website I have contacted them on several occasions no one seems to know why my access is blocked I have taking the steps provided but I'm still blocked from entering the website to view statements or make payments. 
The only way i know any info about the account was through a consumer reporting agency which is reporting a very high balance than what i last known it to be the last time i was able to access my account online.
Consumer complaint received 2022-01-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Received a text message at XXXX XXXX XXXX XXXX  alerting me about the XXXX in debt through Wells Fargo Text support for a XXXX. 

And had a website to click to approve funds. 
I didnt not click the website but the number is : XXXX I am scared someone has my phone number and applied for this without my knowledge or consent
Consumer complaint received 2022-01-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-25
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)

N Accordance with the fair credit reporting act XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX 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 2022-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Resources, Inc. (CO)

On XX/XX/XXXX I injured my XXXX and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX Colorado. I submitted all my information including all my medical information to the staff at this hospital. I was treated and released. 
The hospital submitted for services to my insurance company on XX/XX/XXXX. I received an invoice from the hospital in XXXX of XXXX for {$2200.00} and I paid my part of {$500.00} after insurance paid their Part. At this point I was under the impression that my bill was Paid. 
On XX/XX/XXXX, approx. 1 year and XXXX XXXX months later I received an invoice from XXXX XXXX XXXX associates for {$650.00} for the emergency doctor 's fee. This was the only Invoice I received from them. I checked all my statements from the insurance company from XX/XX/XXXX to XX/XX/XXXX and found that XXXX XXXX XXXX XXXX had not submitted for payment of services. 
On XX/XX/XXXX I contacted the billing dept for XXXX XXXX XXXX XXXX about this invoice. I advised them that they haven't submitted this to my insurance company and that once submitted I would pay the amount owed and that my medical insurance information was submitted to the hospital where I was treated. 
On XX/XX/XXXX I received a letter from Collection Resources Inc. for the amount of {$650.00}. At this point it was obvious that XXXX XXXX XXXX XXXX didn't submit to my medical insurance. Now due to their negligence I am in collections instead of paying my part of 20 % ( {$130.00} ). This is XXXX XXXX XXXX XXXX mistake and I in good faith I did my part by submitting my medical insurance information so they could get paid.
Consumer complaint received 2020-10-05
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (CA)

When Equifax had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off 9-5 sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. Equifax, XXXX and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the XXXX XXXX General Manger At a XXXX  In the XXXX XXXX got Furlough though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others Ally, Capital XXXX, XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND EQUIFAX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.
Consumer complaint received 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-01-26
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)

i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.
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: OneMain Finance Corporation (AZ)

Two attempts to reach out to ONE MAIN FINANCIAL to remove from my credit report and cease and desist on XX/XX/2022 and XX/XX/2022, both times failed to resolve. Requested ONE MAIN FINANCIAL to provide a binding contract of two signatures per law and if unable to immediately remove from my credit report.
Consumer complaint received 2022-10-07
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (VA)

Eastern Acct Sys : The account was placed in a collection without any notification by mail. Eastern Account System did not send notices to my address listed at any time all correspondence would be received and addressed accordingly. If I had moved, all mail would have been forwarded to my XXXX XXXX or my address which I have not received not one letter. On XX/XX/XXXX ( date provided for a billing date by XXXX XXXX XX/XX/XXXX. This bill was cooked up with to harass me and to XXXX me over for money I do owed. The original creditor did not contact me prior to placing me on a collection, If I owed a medical bill it would have been paid by my insurance that was verified. Eastern Account System contacted me with several threatening calls, I hung up the phone on the threats. Eastern Acct Sys did not send me any written notices of account would be reported to the credit bureau. No attempts was made at any times by mail only threats by phone which I did received several harassing and threatening calls from the collection agency, my response was that I do not owe you all and please stop threatening me about suing me for something that I do not owe. I did not deserved to be harassed for any bill. I disputed the debt several times directly with the credit bureaus, and requested a validation verification which was not sent tome to verify the debt. No other communications were received by the Collection agency. There is absolutely no unpaid medical bills due on my behalf which can verified with the hospital. I filed a validation of debt with the credit bureau in XXXX no response to the validation letter. In addition, I have a primary and a secondary Insurance which all or any medical bills would have been paid. This company is running a scam to receive money not owe. I reached out to the original credited who stated I do not owe them anything. The collection agent stated that I had a procedure to my chest ; if I had this would be a Hippa violation to release any medical information. I will file with Hippa prior to court action. 

Statement was sent to XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX Credit Reporting Agency , Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. In addition please validate and provide me with the original contracts for the following listed below. 


Eastern Account Systems, Inc Acct Number : XXXX This letter was sent to XXXX on XX/XX/XXXX I requested a validation to be provided, I have not received any evidence confirming a bill,
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

I am a victim of ID theft, someone broke into my car and stole my wallet and luggage, my ID, passport and ss card was compromised and I filled a police report and the investigation is ongoing, I recently filed another police report regarding the accounts on my credit report.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.