davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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. (NY)

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (KY)

The account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # XXXX. 15 U.S.C 1681 section 602A States that 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. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), there is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Consumer complaint received 2020-11-11
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2022-09-16
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. (MI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they never sent to me any information letting me know anything regarding the account. On XX/XX/XXXX I resent a dispute by mail to Equifax regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Equifax data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

hi, on XX/XX/18 i have transfered out funds from chase through XXXX my account showed the funds are availible with no pending ACH, every day if there is an ACH debit at chase its shows the transection in pending and the amount is updated in the availiable balance, on the XXXX all of the sudden i was charged a {$34.00} for INSUFFICIENT FUNDS FEE FOR A {$25.00} ITEM - DETAILS : XXXX XXXX with the date of the XXXX so they did one of the 2 either they made a change the way they display an ACH without prior notice, or its an error on their system, but in any case its happened because of them and they shouldnt hold me resposible for that and charge me. 

they agree on what im saying they just keep saying that im not aligible for a refund
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NC)

On XX/XX/XXXX my account with netspend was frozen for the 5 th time this year for security reasons. And money had come out of my account with a closed card from the previous security freeze. On this day I called and closed my account and disputed the charges. 
On XX/XX/XXXX I called them again to check the status of my refund. They informed me it should be here in 5 days. 
On XX/XX/XXXX I called again to check the status. They informed me it should be here in 7 to 10 days of closing the account. 
On XX/XX/XXXX I called to check the status of my refund check. They informed me that my account wasn't closed until XXXX the XXXX th and it would be 7 to 10 business days until I received my check. 
I am a single mother of XXXX. I have had to brough money to get me to this day and still I am empty handed. I work for the state and only get paid once a month. So now I have to brough more money to make it another 7 to 10 days. Can u help??
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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Consumer complaint received 2022-09-17
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. (TX)

On XX/XX/22 check my credit report and on Equifax there was reported company called XXXX XXXX XXXX in a purchase of a vehicle of the amount of {$17000.00}. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. I made a dispute with Equifax informing them that the account is not mine. The dispute outcome came back from Equifax and they determined that the account is mine. On XX/XX/22, I called Equifax to obtain more information about their investigation. Equifax informed me that I needed to send them a copy of an identity theft report, a copy of my driver license and social security card to block the above company reporting my information to Equifax since I have not bought a car from such company. I send the information to Equifax on XX/XX/22. Today, XX/XX/22 I checked my credit report and again the same company placed another report of a purchase of a vehicle for the amount of {$13000.00}. I placed a fraud alert XX/XX/22. I did spoke with XXXX from XXXX XXXX XXXX associated with XXXX XXXX XXXX on XX/XX/22. XXXX informs me that they don't have an account under my name and could not provide further information since I don't have an account. How can this have happened twice on a row in the same year. I honestly have not made any business with XXXX XXXX XXXX and how they are using my personal information which I believe it is fraud.
Consumer complaint received 2022-09-17
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 looked at a recent copy of my credit report and I have noticed some fraudulent accounts listed. I have never open accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have attached a copy of FTC Identity Theft Report with this complaint. Please remove this fraudulent information from my credit file,
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

{$75.00} was charged to my PayPal by a XXXX company. I have spent 3 hours on the phone with PayPal. I filed a claim with PayPal and they immediately closed. Now they have transferred me to 4-5 departments with no resolution. I have no idea what to do next.
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (OH)

XX/XX/2018 {$3400.00} XXXX XXXX XXXX, never received any bills or information from this company in 4 years now they got a debt collector trying to get money from me.Don ' know what for. Capital Accounts XXXX XXXX.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Used drive thru ATM at Wells Fargo location : XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Placed {$500.00} into ATM machine and ATM was not reading all of my bills so Pressed return all items. When it was returning the money, there was a jam and we had to force the last {$50.00} out. We counted the money and only {$400.00} was returned. So the ATM ate {$100.00}. This happened on XX/XX/2022 at around XXXX XXXX. The bank was closed so I called their claims department. They informed me the machine did not register any jams and it says I put in {$350.00} and got {$350.00} back. They denied my claim and said they will not be returning my money and will not be checking the cameras because it will not show the money I put in. I believe there was a discrepancy in their machine because it did not register the jam. They are denying to admit any fault here.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

Ally is making is very difficult to dispute debit card charges. On the phone they push you to dispute transactions online but the dispute website is non functional and does not let you submit the form. They have not responded to my message about this and ignore the situation.
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (KY)

The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at XXXX XXXX. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to XXXX XXXX multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, Stenger and Stenger, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the Sheriffs Dept to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

Stenger and Stenger, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with XXXX XXXX. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.
Consumer complaint received 2020-11-11
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: Self Financial Inc. (TX)

A fraudulent account is reporting on my XXXX credit file from Self Lender/XXXX XXXX XXXX. I have been a victim of identity theft in the past and I have not had a business relationship with this creditor. I have attached a current police report filed with the XXXX TX Police Department & ID Theft Report.
Consumer complaint received 2022-09-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently bought a car and the dealership was excessively pulling my credit
Consumer complaint received 2022-09-17
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. (FL)

Tuesday XX/XX/2022, I woke up to an alert from the credit agency a collection account had been put on my report. I notified Equifax, since its only reporting to them, of the account is a fraud account, I disputed the account online and several times on the phone with multiple agents who do not want to be bothered. they clearly see I am a fraud victim. I notified the company that put the collection account as well. I was told by Equifax I had to wait 30 to 45 days to complete. I do not feel this is right reporting inaccurate information on a fraud victim. The fraud department said it would be removed within 24 hours from Tuesday. It has not been removed they give me the run around they throw me around to different departments back and forth. they do not want to be bothered with the fact, yet another fraud account has hit my report. I pay for memberships ; I lock and freeze all agencies so no one can add fraudulent information. Since Tuesday the XXXX I have been spending hours on the phone with Equifax trying to get this resolved. I am asking to remove this collection account, as I already spoke to the collection agency as well advised it was fraud and to remove this account. it is not my account ; Equifax has the documents sent in that this is not my account. Please remove this account from my report as it is not my account and does not belong on there.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, XXXX, and Equifax are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (WA)

I am trying to log onto my grain account with no luck. I have reached out to the company and it takes them days to respond and when they do, they say that I need to delete the app and log in again. I have done this numerous times with still no access to my account. They rarely respond and when they do, its generic instructions. It says Ive been locked out of my account for 24 hours and its been this way for months. I tried to update my password and when I click on reset password, nothing happens. This is a complete mess!
Consumer complaint received 2022-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (CA)

I received 19 emails from, the company True Accord, from XXXX to XXXX. 
A Violation of 15 U.S.C. 1692c ( a ). Within those emails are, a minimu
m total of 7 federal law violations, per email.

True Accord furnished an account that was created from a credit card.

A violation of 15 U.S.C. 1681a ( 2 ) ( b ) True Accord used profane language in their communication with me.

A violation of 15 U.S.C. 1692d ( 2 ) True Accord, claiming that I owe a debt, is a violation of 15 U.S.C. 1692b ( 2 ) True Accord is using deceptive means to collect on a debt that is not mine.

A violation of 15 U.S.C. 1692e ( 10 ) True Accord has caused damage to my credit reputation.

A violation of 15 U.S.C. 1692d ( 1 ) The amount that True Accord says I am obligated to pay is a violation of 15 U.S.C. 1692e ( 2 ) ( a )