davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2022-12-08
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
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)

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

For XXXX credit reporting for my account at Citi bank ending in XXXX was notified late. Currently this account is under a payment program due to high interest rates I couldn't afford. This debt reduction non profit agency has helped to negotiate the rates lower and I am able to make lower payments than normal. I have never been late on this account. In XXXX due COVID related issues with mail and employees at companies not working I was unable to get hold of the agencies or Citi customer service the website was down and customer service was saying not available at this day even though it was during the day. My account was literally 7 days late from the actual due date is the XXXX and I made the payment on the XXXX. Citi reported my account late 30 days! how is that 30 days late? IT WAS DUE TO A NATION WIDE PANDEMIC. A NATION AND STATE WIDE LOCK DOWN. Me and other us consumer are going to have similar issues. 

Even today their system doesn't report correct information. This is horrible for US consumers for not to have any controls over big corporations such as CITI. This is completely a system error. Citi computer online system reports incorrect information. Even today at XX/XX/XXXX, I contacted the representative on my Costco citi card. Online it shows PAST DUE AMOUNT {$40.00} PAST DUE DATE XX/XX/XXXX? Its not even XXXX yet. The representative stated I wasn't but systems do have technical issues. I have attached supporting documentation to show every month has been paid since XXXX.
Consumer complaint received 2021-09-01
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)

Equifax was sent drivers license, social security card, Several FTC reports with updates as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Consumer complaint received 2022-09-27
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. (NC)

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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Immediately after the disclosure of the Equifax breach, my husband and I placed a freeze and alert on our accounts. We were able to learn that my husband 's data was probably hacked. We then attempted to access our credit reports with Equifax online. My husband was able to access his. But after many unsuccessful attempts to obtain mine, I sent a written request, by certified mail, to Equifax to send my credit report to my mailing address. 

Today, XXXX/XXXX/XXXX, I called Equifax at the phone number provided on their website for customer service, to provide help to " customers with additional questions. '' My inquiry was to learn the status of my credit report and to request a copy of my credit file. ( In a form letter to my husband, Equifax distinguishes between credit report and credit file. ) An Equifax customer service supervisor stated that his department 's only job was to process credit freezes. They are not truly " customer service '' and have no phone numbers for customer service or any other department in the company. And there was absolutely no way for them to access my account or help me in any way. 

Not only did this company lack effective data security protections, but they continue to operate inefficiently and ineffectively. I am very concerned that my data has also been breached and I have absolutely no way of investigating. This company is so irresponsible that they should be shut down. Do they even have a license that can be revoked? 

Is there such a thing as a credit file, separate and distinct from a credit report? I am not sure that I can trust any information imparted by Equifax!
Consumer complaint received 2021-09-01
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: BARCLAYS BANK DELAWARE (CA)

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. Barclays Bank Delaware : {$16000.00}. 
These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 


This is a legal request to cease and desist.
Consumer complaint received 2022-09-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Presto Loan Center, LLC (AZ)

On XXXXXXXX XXXX Presto sold my loan to another lender. On XXXX XXXXXXXX I received notification from Presto that my balance was {$0.00}. XX/XX/XXXX, I was sued by Presto the original creditor for a loan that I dont owe. Which Presto the original creditor reported that the loan was sold to another lender on XX/XX/XXXX. I never received validation of the loan or explanation of why I went from owing {$0.00} to {$2600.00}. 

I was never given an opportunity to dispute the debt. I was never served notices of lawsuit. 

Now my wages are being garnished under unfair debt collection by deceiving the courts and myself with making false claims and statements to collect the debt.
Consumer complaint received 2022-12-07
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: The CMI Group, Inc. (MS)

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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

Apple Card ( by Goldman Sachs ) made my credit card unusable starting around 2 weeks ago. The current card number they gave me does not work for any purchases. It declines every time and says " Declined - Card Replaced '' as if the current card number is outdated/expired. I thought I could fix it by trying to request a new credit card number to replace the old, non-working one. But every time I try, it says " Account Action Not Permitted. '' This is abnormal as I was easily able to replace my card number in the past. I have called their supervisors at least 4 times now and they have been absolutely no help. They constantly give me the runaround. For example, they say they put in a " tech review ticket '' for me that will be resolved within 3 days and that I will be contacted. It has been way past that and I never got any updates, responses, or resolutions from them. I even tried calling them again after all this just for them to say to wait longer again. This is unfair as all I want to do is be able to use my credit card. I dropped my credit score to apply for this credit card so I can take advantage of its benefits. I am unable to do that if I can not use my Apple Card. Thank you.
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC (GA)

I received a billing statement from Brock & Scott PLLC out of XXXX XXXX XXXX citing they representing XXXX XXXX on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only two notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2021 I contacted a private seller to purchase an item online, I was made to send money to XXXX XXXX XXXX. He requested XXXX $ for the item, and the seller blocked me and cut contact with me. I never received any items. I was told to meet at a physical location for retrieval of the item I thought I purchased.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I went on to Rocket Mortgage 's website to look into a home loan, I was just doing an initial inquire. They called me and put me on the phone with XXXX XXXX to talk about the mortgage. This call was recorded, XXXX assured me 2 times that the credit report was a soft pull and would not show up on my report. I checked my report today and it shows that this was in fact a hard pull. I did not consent to this and am very upset this occurred.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST (NV)

Dear Sirs, I think the Bank of the West Credit Card Service is deliberately trying to prevent me from using the cards : 1 ) Payments made won't show as available funds : I have made XXXX payments on XX/XX/22 & XX/XX/22, and none of them show available funds as of today. My available balance stays as {$8.00} for the past 14 days. 

2 ) Payment made has no record of it : I have tried to make a XXXX payment since, and there is simply no record of it. 

3 ) It blocks access from making payments : As of XXXX, it shows I have a current balance of {$170.00} on the web portal in the past 10 days, and I have been trying the make a payment for this balance but it won't let me make a payment of any amounts, it simply won't go through. 

Please resolve this with Bank of the West ASAP, and provide an update. I am a very determined person and will not stop until this is resolved. 

Thank you for your attention to this matter and all the kind help. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (MI)

On XX/XX/2022 I went to a Comerica branch with a online {$500.00} bonus offer for a business checking account. The offer was for a {$500.00} deposit for opening a XXXX checking account with a {$50000.00} balance for 90 days. The bank manager KNEW that was the specific reason for me opening the account. She looked over the paper work explaining the offer. She said she would make it work and did not see a problem. I responded that I would not bring my check unless you were sure the bonus would be good. On XX/XX/2022 she called me stating it was not a legitimate offer.
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (KS)

On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AL)

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Consumer complaint received 2023-01-25
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX