davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (LA)

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. 
XXXX XXXX XXXXXXXX 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 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

I received a letter in the mail from ERC ( Reference Number : XXXX ) trying to collect {$110.00} that is due to XXXX XXXX XXXX, XXXX ( Account Number : XXXX ). I have never been a customer of XXXX. When I reached out to XXXX on the phone they say the account associated with this phone number is XXXX XXXX XXXX with no other address information and the payment due is {$170.00}. If I call XXXX and then the account number I get the partial address of XXXXXXXX XXXX  XXXX with a payment due of {$260.00}. When I have reached out to XXXX online with the information provided in the letter it does NOT match their records. 
When I reach out to ERC directly they give me the address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and phone number ( XXXX XXXX XXXX XXXX XXXX ). They would not provide their license number. When I called the phone number they me over the phone it was an automated message for a medical alert device.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.
Consumer complaint received 2022-11-30
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. (PA)

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 XXXX XXXX XXXX XXXX # XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX : # XXXX Account XXXX XXXX XXXX # XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Has violated my rights. 
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 2022-09-21
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (DC)

I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to my credit report.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (MO)

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to XXXX other credit agencies, XXXX XXXX XXXX, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (OK)

I was injured at an apartment complex in XXXX XXXX, CO and became XXXX after falling down a flight of stairs. I have disputed the validity of the debt since inception and the debt collector has ignored my repeated attempts to put a stop this harassment. 

I have attached a copy of the most recent correspondence that has been sent to the agency requesting that they cease and desist all action on this account.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CO)

Follow up on Complaint Number XXXX.filed XX/XX/2021 concerning deposit from PayPal that was never deposited into my account.

PayPal has not responded to any of my latest inquiries concerning a missing deposit of {$970.00} of XX/XX/2021 that they have only stated that the lost deposit is " under investigation ''. 

XX/XX/2021 PayPal listed a deposit to my business account for {$970.00} but then immediately " reversed '' the deposit. 
After many calls to PayPal concerning the deposit that never cleared my bank account, PayPal initiated a " provisional deposit '' of {$970.00} to my account on XX/XX/2021. 
On XX/XX/2021 PayPal withdrew the " provisional deposit '' of {$970.00} from my account on XX/XX/2021 and continued to claim the the missing deposit continued to be " under review ''. 

As of this date ( XXXX ) I have not received this missing deposit of {$970.00} in my account. 

PayPal has not responded to any recent inquiries.
Consumer complaint received 2022-09-21
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. (NV)

I'm 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. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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: MARINER FINANCE, LLC (VA)

n accordance with the Fair Credit Reporting XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
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. (GA)

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 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 2022-09-21
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 31
Consumer complaint received 2022-09-21
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. (IL)

I sent a letter to Equifax to remove this Charge-off Account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Please remove this account immediately : XXXX XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2022-08-22
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. (CA)

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXXXXXX date opened XX/XX/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 XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-21
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. (NC)

In accordance with the Fair Credit Reporting act Accounts : XXXX ACCOUNT # : XXXX 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 the information is inaccurate Has violated my rights as a natural person 15 U.S.C 1681 section 602 A. States I have the right to privacy.

they sent me a letter back saying they are reporting validated information when I look at my credit report I see multiple errors Date opened is INACCURATE XX/XX/XXXX XX/XX/XXXX Date of last payment is INACCURATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I was the victim of a XXXX scam in which another person coerced me into sending XXXX dollars through XXXX for a " refund '', by sending me an email under the guise of XXXX claiming overpayment by one " XXXX XXXX '' and need for me to refund money to him by sending it to him through XXXX. 

I recognized the scam after the XXXX dollars was sent, when a second email was sent to me by " XXXX '' asking for more money to be " refunded '' to " XXXX XXXX ''. 

I immediately called Chase and alerted them of the issue. They did not reimburse me for the loss.
Consumer complaint received 2022-09-21
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. (IL)

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 any item 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX XXXX  XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX XXXX  XXXX XXXX Reference # : XXXX ; US DIST CT XXXX XXXX XXXX XXXX Reference # : XXXX ; US DIST CT XXXX : Dismissed XXXX Reference # : XXXX ; U.SXXXX XXXX Court XXXX  XXXX XXXX Reference # XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-03-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (TX)

After my previous complaint regarding my CD maturing and the wire not promptly sent out by Goldman Sachs with accurate account information, I learned yesterday XX/XX/23, that without notification to me, or online banking, or through the mail, Goldman Sachs reversed my wire and created a new CD. Did not notify me. When continuous calls were made by both myself and the receiving institution regarding the wire, Goldman Sachs finally wire the funds on XX/XX/23. However without any notification, for their admitted error, they withheld a penalty of {$830.00} for " early withdrawal of a CD ''. A CD that I never created. As of my phone conversation today XX/XX/23 I am waiting for my issue to be reviewed in the " que '' and consideration for my " penalty charge '' to be reviewed. I didn't have a CD. My prior CD renewed on XX/XX/23 with closure and wiring instruction. On XX/XX/23 when this didn't happen, new and complete wiring instructions were given to both my savings and my CD. On XX/XX/23 my savings was sent $ XXXX however the $ XXXX was not. It took call after call and finally my CD was wired on XX/XX/23 {$830.00} less. No explanation, no statement, no pending account information, no history of interest accruing while being held at institution. Absolutely no customer activity available for me to see online. I am still waiting on a Supervisor or manager phone call. No ability to escalate. {$830.00} in FEES for a Goldman Sachs reoccurring error.