davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a vanillagift Visa Prepaid Debit Card from XXXX, XXXX XXXX on XXXX XXXX for {$100.00}. This was a gift for one of my friend. On XXXX XXXX, my friend told me that the card can't be used, as he couldn't locate any CVV number. He sent me pics of the card and he was right, the card didn't have any CVV number. 

I was able to locate th

e Card Authorization receipt that store gave me. I tried calling their number on c
ard, XXXX ( XXXX ) XXXX it was all automated voice and none of the options matched with my question - " how to use the card without CVV? '' I searched internet got another toll free number for vanillagift Visa Debit Card- it had different voice prompt, I waited for 10 mins to speak to a representative and then gave up
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2022 I received a letter from this company stating that I owed an alleged debt. The company also notated in the initial notice that I had until XX/XX/2022 to dispute all or part of the debt. As of XX/XX/2022 this company has reported the debt to all major three credit bureaus dropping my XXXX XXXX over XXXX points without validating the debt Within the allowed time frame. I spoke with an agent on XX/XX/2022 and requested that this company cease all communication tactics and I requested A signature bearing contract with the company that is reporting the alleged debt on my credit report NOT the creditor that the collector bought the debt from. This is clearly fraud, negligence, and identity theft. I have never done business with this company, and I have never given any authorization for my Social Security number to be used for any purposes. This is clearly a violation of my consumer rights per 15 USC 1692c. Once again, I want to reiterate that this company is in direct violation of the Fair Credit Reporting Act and Fair Debit Collection Practices Act. I do intend on Looking into litigation due to the violation of my consumer rights, and I also plan on suing this company for defamation, negligence, identity theft, and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debit Collection Practices Act.
Consumer complaint received 2022-09-02
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)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}
Consumer complaint received 2022-09-02
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. (OH)

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  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
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. (MO)

Im resubmitting 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 XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; 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 2022-08-04
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

On XX/XX/22, I visited the M & T Bank on XXXX XXXX XXXX XXXX XXXX, in XXXX Maryland XXXX The teller requested I verbally confirm my social security number to which I responded I was not comfortable doing in a public lobby and then instead I asked for a piece of paper to write it on. 
After my transactions were completed, the teller proceeded to place the piece of paper with my personal information that included my name, address, account, and social security number on a pile on his desk. I immediately identified that to be a security concern and asked for it to be shredded. He said he was unable to do so. I asked if he could at the very least cross out my social security number so that it is not just sitting on a desk where anyone could easily access it. He informed me that the documents will be shredded after 90days of sitting on his desk. 
As I proceeded to inform him about my concerns and as he continued to justify his actions, the branch manager immediately and rudely interrupts our conversation to inform me that and I quote the bottom line is, this is the banks policy, you can take it or leave it and then proceed to ask me to leave now The very next day on XX/XX/22, I closed out all my accounts at M & T Bank as I will not do business with any company or organization or business that does not value me and my business or appreciate my concerns. Additionally, it is very irresponsible and careless for any business to expose a customer 's personal information in this manner leaving them vulnerable to data fraud and identity theft that could cause severe damages to me. 
I am requesting M & T Bank issue a formal apology for how badly I was treated. Additionally, they should reform their policies, processes and procedures for the safety and security of all customers. M & T Bank is responsible for ensuring this at the very least and owe this obligation to customers.
Consumer complaint received 2022-09-02
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. (AL)

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX XXXX XXXX Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX  date : XX/XX/2022, Name : XXXX date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-06
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: Nelnet, Inc. (LA)

The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by Nelnet on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. Nelnet has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with Nelnet.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.
Consumer complaint received 2022-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

Navient was my student loan servicer and provided me with wrong and misleading loan information while steering me into accepting a loan forbearance which has harmed my economic interests. 


NAVIENT and as well as XXXX are criminal organizations that are actively harming millions of Americans like myself. As a result of accepting the forbearance due to Navients intentional bad information, I am now foreclosed from participating in several opportunities to pay down this debt. 

Please help. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. 
XXXX Cell # : ( XXXX ) XXXX
Consumer complaint received 2022-09-01
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. (OH)

In accordance with the Fair Credit Reporting act 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 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

they sent me an email saying they closed my account bc failure to comply with customer agreement when i called and said that's false give me specifics the agent XXXX couldn't tell me but said it was bc i filed a cfpd complaint a while back this is retaliation and they wont let me cash in my rewards for a statement credit
Consumer complaint received 2022-09-01
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 XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats 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
Consumer complaint received 2019-11-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-CLOSED ACCOUNTS- 1. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX she uses multiple different last names ) of XXXX  used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.
Consumer complaint received 2022-10-21
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-01
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. (GA)

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my equifax shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX  Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my equifax report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I purchased three air conditioning units on XX/XX/2022. One unit was cancelled and credited back to the account. The next two units both arrived damaged in transit and boxes soaked and opened. I tried contacting the company directly. They said to return the items in original box. I sent one unit back but the second one they refuse to take. Upon further inspection I found that XXXX XXXX XXXX XXXX has a horrible track record for customer service. I provided this information to Chase and they still have not issued a permanent credit. I hired an independent XXXX repairman to tell me the issue. His report is attached and has been forwarded to Chase Bank. You will see that he states the air conditioning unit is defective and damaged and needs to be replaced. Chase has provided temporary credits but they need to make them permanent as the company refuses to refund XXXX XXXX for the damaged XXXX units.
Consumer complaint received 2022-09-01
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my WELLS FARGO account to fraudulent investment firm ( s ).
Consumer complaint received 2022-10-21
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. (IL)

I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries 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
Consumer complaint received 2022-11-06
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: SYNCHRONY FINANCIAL (OH)

I received a statement of account for XX/XX/2022 from XXXXSynchrony Bank XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal Synchrony Bank account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXXSynchrony Bank has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You