davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (AL)

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 XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A 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 a account without written consent.
Consumer complaint received 2022-10-28
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. (MS)

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 account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2022-10-28
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. (NJ)

When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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)

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. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXe : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/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 2022-04-07
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. (NC)

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (UT)

I was contacted by SIMMS associates about a debt that I do not owe nor do I believe is mine. 
The debt collector is : SIMMS Associates, INC XXXX XXXX XXXX XXXX XXXX, DE XXXX I was contacted on XX/XX/XXXX regarding the matter, and I have asked them to fabricate proof that I do owe this debt or any sort of evidence that I could have taken out a loan. I called again on XX/XX/XXXX regarding the matter because I was not sent anything, just a letter saying who the creditor is. On XX/XX/XXXX, I called again regarding evidence of this debt owed, and they keep saying that they don't have it yet and that sorry it is taking a long time. All of these calls are monitored and recorded, so they are able to pull these voice calls for evidence. This seems like a scam because I do not owe anything to collections, nor do I have any student loans aside from 2 federal student loans which I am aware of.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed the following items with EQUIFAX to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1300.00} company : XXXX XXXX XXXX 
opened date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$980.00}
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-10-28
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or correct the account listed below : XXXX XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

( XXXX ) I opened a Citibank Regular Checking account on XX/XX/2022, which had a sign-up bonus of XXXX after a customer deposits XXXX and holds the funds in the account for 81 days. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX via an ACH transfer from " Institution A '' and another XXXX via an ACH transfer from " XXXX XXXX '' to met the deposit requirement of XXXX for the bonus. 

( XXXX ) On XX/XX/XXXX, I linked the Citibank Regular Checking account to " Institution C, '' my main bank account, so " Institution C '' made ACH transfers of XXXX and XXXX on XX/XX/XXXX for account verification purposes. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX from " XXXX XXXX '' into the Citibank Regular Checking account. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I attempted to withdraw XXXX, the amount that is not needed for the XXXX account balance for the sign-up bonus, from the Citibank Regular Checking account and deposit those funds to " Institution B. '' As shown in sections ( 2 ) and ( 4 ), Citibank readily accepted deposits via ACH transfer from " Institution B '' on XX/XX/XXXX and XX/XX/XXXX. Given that the Citibank Regular Checking account and " Institution B '' seemed to be connected and accepting ACH transfers, it seemed reasonable to expect Citibank would transfer the funds to " Institution B '' without issue. 

( XXXX ) On XX/XX/XXXX, " Institution B '' informs me that there was a failed transfer to my account. Surprised, I attempt to log onto the online account dashboard provided by Citibank. When attempting to log on, the Citibank website instructs me to call customer service with " Error Code MFA. '' On XX/XX/XXXX, I call the supplied Citibank customer service number and while speaking with customer service, I am given an additional Citibank number to call to learn more about my account. 

( XXXX ) On XX/XX/XXXX, I call the new Citibank customer service number and eventually am informed that my account with Citibank has been terminated and no additional information will be provided over the phone. I call the same number again to attempt to confirm that my account has a balance of XXXX and learn if the funds will be returned to me. Citibank customer service refuses to provide any information to me regarding any account information, which leads me to believe that Citibank is keeping the funds that remained in the account or has no intention in helping me locate the funds and their eventual location.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

i made a complaint against XXXX bank and my complaint was handled very poorly by CFPB i sent alone with my complaint XXXX pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against XXXX # XXXX complaint aganist equifax # XXXX complaint against # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (HI)

XX/XX/2022 and XX/XX/2022 My application was denied and processed as fraud as I was trying to change my name to my legal name and/or cancel the application and start over. They still did a hard inquiry when I asked them not to until I was able to fix this.
Consumer complaint received 2022-04-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MD)

I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. XXXX XXXX XXXX XXXX XXXX has law suit against me to garnish my wage has the co-signer which I can not afford. I am a XXXX year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.
Consumer complaint received 2022-04-07
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. (WI)

I have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.
Consumer complaint received 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

My Daughter sent me a payment on Venmo.I went to turn that Venmo payment to my bank account which is suppose to happen in three days.I called Venmo to ask why my transfer didn't go through and the didn't give me a good reason why.It wasn't a very large amount .what I did was cancel my account with them and considered myself lucky it wasn't a sycnificant amount.I heard what was happening at PayPal through investigation and that they are under same umbrella.I filed this to bring further awareness.The amount I loss was XXXX dollars so I just cut my losses and refuse further business with this company
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Initiated standard bank transfer on XX/XX/2022 from Venmo account after receiving money from someone I know in the amount of XXXX. Venmo sent an email notice and notification in the mobile app that the transfer was initiated and the expected date to receive funds on XX/XX/XXXX. Funds have yet to arrive in my bank account as of XX/XX/2022. I contacted Venmo XXXX  times ( XXXX XXXX ) and I was able to to speak with a representative all 3 times. During the second and third call, the representative stated that I should receive the funds that same evening. All three representatives stated that an email would be sent when the funds were transferred, however there was never an email to document the call or any other communication by email about the transfer. The transaction still shows as pending with estimated arrival of funds on XX/XX/XXXX. 


This is the first time having an issue with Venmo and the representatives stated that this was an internal error assured me the transaction would be completed without any further explanation or recourse should the transfer not take place.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACIMA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.