davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (NY)

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Equifax and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, Equifax, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.
Consumer complaint received 2020-06-24
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: Southwest Credit Systems, L.P. (TX)

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX APT XXXX, XXXX, XXXX XXXX XXXXXXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX SOUTHWEST CAPITAL SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES NATL CREDIT ADJUSTERS GC SERVICES
Consumer complaint received 2016-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I 'm writing to dispute, for the third time, XXXX XXXX XXXX XXXX. Had charged off credit card through JCPenney owned first by GE then transferred to Synchrony Bank and this still sits on all three credit reporting agencies. Debt subsequently sold to debt collector, XXXX XXXX XXXX appears on all three credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all three agencies. 

THIS WAS TWO YEARS AGO AND STILL BOTH ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which XXXX XXXX was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all three credit report sections listing JCPenney AND XXXX XXXX XXXX and a copy of their letter.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have American Express points earned through their program after the required spending. My points we delivered to my account however AMEX will not let me use them as offered in points program despite being listed as " available '' for use. Disingenuous to offer membership rewards points and not let the consumer actually use the points despite being earned. Unclear how this is n't fraudulent on AMEX 's part?
Consumer complaint received 2024-01-05
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. (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. 

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 2024-01-05
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)

I am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NV)

I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo cleared fraudulent check Here is the action I have taken. Upon learning that check number XXXX had not been processed by the County tax collection agency, I went on the Wells Fargo website to retrieve a copy of the cancelled check. Once I copied the check, I saw that it had obviously been altered and was cashed/deposited with XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and spoke with XXXX. He reviewed the check and informed me it was marked as suspicious. He advised me to contact Wells Fargo and file a claim, which I did directly after I got off the phone with him. At Wells Fargo, I spoke with XXXX and he filed a claim. The claim number is XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo datedXX/XX/XXXX stating that the claim was denied because it was older than 30 days. I then called Wells Fargo again and spoke to XXXX ( not sure if that is correct, because he was not clear ). He informed me that someone would contact me within 48 hours. I did not receive a call, so I called again on XX/XX/XXXX. I was told they did call me and got no answer. However, I informed them that I had no missed calls and no messages. I also stated that because they cleared the obviously altered check, there were no red flags and no reason to assume there was an issue. I told him I needed the claim re-opened. He informed me again that someone would contact me within 48 hours but it would be unlikely they would re-open the claim. It has not yet been 48 hours since that call. 

Also note, the I do not received cancelled checks and the payee is not noted on my bank statements
Consumer complaint received 2024-01-04
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. (NC)

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 XXXX 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 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 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

Complaint Regarding Inaccurate Reporting on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported on my credit report by : 1. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) and 2. WESTLAKE FINANCIAL SVCS XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX The information in question pertains to a charge-off that has been included on my credit report without legal basis. 

Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt. The absence of such documentation raises concerns about the legality of the reported charge-off. 

The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies. 

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (GA)

Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

I was called by CitiBank on XX/XX/XXXX and told I had some charges to my account that they wanted to verify that I had made. There were XXXX charges totaling {$4600.00}. I told them I had not made any of the charges. They said they would lock my account and take care of the charges and send me a new card. ( This took over an hour on the phone ). The representative called me again on XXXX  and said he wanted to set me up with text notices from CitiBank as it was the best way to alert me if there were ever any more bogus charges on the account. ( This took XXXX phone calls and over an hour of my time again ). He told me he was unable to set me up with text notices ... altho while we were talking I did receive XXXX texts from CitiBank but apparently not the kind he wanted me to get. Anyhow I figured problem solved ... my new credit card will arrive by XXXX  XXXX. Later on XXXX  I notice XXXX more charges on my ( locked ) account that I hadn't made ... totaling {$650.00}. Also a notice on my account that I needed to call them about a fraud problem. So I called the number and the representative told me that he could not tell me anything about my account because I could not give him a verification code that I should have received by email or by text. I have never received any kind of verification code. He said I would have to wait until I got a letter in the mail with a code on it to prove that I was me before he could do anything about my account or tell me anything about my account. This is after I gave the earlier representative my phone number, account number, social security number and bank account number... .I was very uncomfortable giving him all that info. but I did it anyway. So now I await a verification code coming by mail ( 3-7 days ) so I can use my account and make sure they block the charges that posted on XX/XX/XXXX & XX/XX/XXXX. In the mean time I have received a text on XX/XX/XXXX saying that they are sending me a new card... I thought they couldn't text me?! If you XXXX " Having trouble with verification code for CitiBank '' there is a loooong thread of complaints about this same issue. 
I am now in the process of searching for a new credit card company.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (KS)

Went on my credit report and there is a collection from XXXX XXXX. The collection company is Credit Protection. The amount is XXXX which I do not owe. I did not live at the address on file at the time. I lived at XXXX XXXX XXXX. Tried to make a police report on this and was ignored.
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NC)

Obama Care mishandled my XXXX claim XXXX/XXXX/2016. Now that my claim is paid by XXXX, Frost-Arnette The Collection Company is trying not to pay me back what I personally paid of my own money. They threatened to seize my assets last year for the medical bill. Even though I had insurance, they were very cruel to me. Tonight they called and said, " this is an attempt to collect a debt .... '' I quickly responded that they owe ME. I do not owe them. Can you please help me get a refund?
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (MD)

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment a credit card account under end consumer plan as late for any purpose.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NM)

This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (NE)

I paid XXXX dollars a XXXX  for a XXXX dollar loan for over XXXX XXXX and price never dropped I called them and they told me I pay the interest XXXX  before paying on the loan but the amount kept increasing while I was paying on it and was informed loan wouldnt be paid off tell XXXX I could not afford to pay over XXXX dollars for a XXXX dollar loan and tried to decrease payments but they refused it is an impossible loan to pay back
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2019-05-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

When I first joined the military I did a lot of pointless spending and therefore reached out to get a debt consolidated loan from prosper to put all my debts into one loan. Now Im discharging out the military and will not have steady income as of right now, so the payments of {$750.00} each month will be too much pay.