davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2015-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (MI)

I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (FL)

According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

THE CREDIT REPORTING AGENCY VERIFIED THESE WRITTEN OFF ACCOUNTS AS ACCURATE, HOWEVER PROOF OF VERIFICATION, DOCUMENTATION USED TO VERIFY AND PROOF OF OWNERSHIP WERE NEVER MAILED TO ME.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXXXXXX XXXX  RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND XXXX XXXX GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal XXXX XXXXXXXX XXXX  on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these two companies share information or do business together but they mess it up my PayPal account.
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

I settled with Arcadia Recovery Bureau on XX/XX/20 in the amount of {$140.00} - with the agreement that they would close the account. On XX/XX/20 Arcadia Recovery Bureau reported to credit agencies that the account is still open and I owe them {$23.00}. 

Arcadia Recovery Bureau said they would email me a confirmation email - which they never did ( I even checked junk ). The confirmation # is XXXX. 

There is a pandemic and economic crisis and there is no excuse for these sick games.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, XXXX, and Equifax, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-02-19
Product: Credit reporting 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 ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A STATE I HAVE THE RIGHTS TO PRIVATY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (FL)

Took out furniture loan with a comp in Florida. Tried to negotiate with them in regards to the matter due to XXXX XXXX. They refused to work with me. They sold the debt to Avante USA located in Texas. Avante is the one I am writing this complaint about. Since they purchased this dept they have been reporting to all three credit reporting agency. What they have been doing since the start is the first of every month they are reporting that this is a new debt. They purchased this debt sometime last year. This company has been resetting this debt clock every month by falsely reporting the debt start reporting date they have been doing this since they bought it. If I understand the FCRA they are not allowed to do this. I only know about this company thru my credit report. I have not had any mail or contact with them at all.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I called Citibank on XX/XX/XXXX due to a problem that I noticed with my statement. I have been paying the balance in full for the past few months, as indicated on the statement, yet they have been accruing interest monthly since XXXX. When I spoke to them on the phone, they did not have a good explanation as to why interest was being charged. It is my impression that when paying a balance on a card, that takes care of any and all fees that are due upon the due date ; however, Citibank said that there is a back log of how the interest is calculated. With that type of math, they will perpetually charge interest. I asked them if there was an amount that I could pay so that the interest charges would go away, and he said he didn't know. This is NOT a way to do business and is fraud. Citibank has been sued twice in XXXX for the way that they calculate interest and lost in both cases - this is deceptive trade and it seems that the only way to make the interest rates go away is to close the account.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts 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 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 I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress. 

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation.

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX ( Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, Equifax, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2021-11-28
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. (DE)

I pulled up my credit report and found a charge that isn't mine. I filed a dispute with Equifax. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

I am writing to dispute a hard inquiry that has appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified this hard inquiry that I know is inaccurate and should be removed : XXXX XX/XX/2023
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Unauthorized Inquiries * XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, Equifax, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}