davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company.

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. 


In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. 

Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted from my credit report.
Consumer complaint received 2016-11-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (AZ)

This is a complaint from XXXX XXXX against Wells Fargo for Wells Fargo 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX, received a demand letter from creditor, Wells Fargo. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I filled out a FTC identity theft report on XX/XX/24 to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.
Consumer complaint received 2020-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i applied and was approved for a capital one secured credit card XX/XX/XXXX. I cancelled this card a few months ago, around XX/XX/XXXX XX/XX/XXXX, They informed me i would receive the {$300.00} back unless there was an outstanding balance. They indicated to me that I would receive a check for aprox. {$85.00}. Because of the outstanding balance. I never received a check so contacted them today XXXX/XXXX/XXXX. Now they are telling me that i was only getting {$150.00}. of the {$300.00} back. My complaint is I was informed that I would receive the {$300.00} back from my security deposit, now they are stating the the other {$150.00} is for other fees, of which I have no idea what they are talking about. I feel they owe me {$150.00}.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted several documents on several occasions to Capital One Bank to verify my identity due to fraudulent activities on my Credit Card. The final time, the week of XX/XX/2016, I mailed a copy of my driver 's license, social security card, birth certificate and a XXXX Credit card bank statement and was told the XXXX Credit Card Statement will not suffice for a bill. I informed them that I stay with my grandmother and the lights are in her name at the address that is on the Driver 's license, XXXX Credit Bill and their ( Capital One Credit Card. I have had such a hard time. with this company. I have several credit cards and they are all paid up to date except this card, which has caused my credit score to descend. I have n't paid a payment since XX/XX/2016, because someone used my credit card from someplace else and I refused to pay for their fraudulent activities. To me, this company is inefficient and lack professional service. Some of the fraud representatives do not know how to handle fraud cases. This has been going on Since XX/XX/2016, and has caused my credit score to go down-tremendously. I gave the Reps Documents INCLUDING A COPY OF MY CURRENT DRIVER 'S LICENSE THAT MATCH THE ADDRESS ON THE CREDIT CARD ACCOUNT, YET THEY ARE PROLONGING THE RESOLUTION AND CAUSING MY SCORE TO BE DECLINE. THE LAST XXXX DIGITS OF MY ACCOUNT NUMBER ARE XXXX.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT JPMCB - CARD SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY MACY'S/DSNB Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC
Consumer complaint received 2015-04-06
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (PR)

I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by me.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

To whom it may concern, I am looking at my credit profile and there seems to be a lot of INACCURATE information i need removed off my equifax report as i never gave anyone authorization for any of the following inquires. I have no idea what they are talking about. All of the following is fraud. XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023. I have tried to call some of these companies and they said it's best to talk to the credit agencies which is why I came here.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2016-07-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

I am writing to you regarding account number XXXX, which is associated with my name, XXXX XXXX. It has come to my attention that XXXX has been reporting this account to the credit bureaus as if it were an open account, despite it being charged off. I would like to bring to your attention that this practice is in violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, charged-off accounts should be reported as such, and they should not be depicted as open accounts. This misreporting can have significant adverse effects on my credit score and financial standing. Furthermore, I have not been provided with proper documentation associated with this charge-off, which raises concerns about the accuracy and legality of the reported information. 

Additionally, I would like to address the issue of documentation related to the charged-off amount. As per my understanding of IRS regulations, creditors are required to issue a Form 1099-C to debtors when an amount is charged off. However, I have not received any such form from XXXX, which could potentially lead to complications regarding tax compliance and reporting. 

I urge you to take immediate action to rectify the misreporting of account XXXX to the credit bureaus and to provide me with the necessary documentation associated with the charge-off. Failure to do so may result in further legal action to ensure compliance with the FCRA and other relevant regulations.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Finance Company, Inc. (NC)

I purchased a vehicle through coastal finance located on XXXX XXXX XXXX, XXXX, NC XXXX. This car had several mechanical issues and broke down in 2010. XXXX expert mechanics informed me that the car was not repairable. I called Coastal Finance to alert them to what was happening and that the vehicle could be picked up. Coastal Finance did n't believe what I was telling them so a man by the name of XXXX had the vehicle towed from XXXX, NC to XXXX, NC to his personal mechanic. He phoned me to say that the account would be closed and charged off as I had gap insurance. This account was due to fall off next year and after 6 long years of inactivity they report a missed payment on my equifax credit report and added an additional {$1300.00} to the original amount owed. Now my credit score has dropped and this old account is showing open and different missed payments are appearing. This company is lying to keep this account on my credit.