davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting actXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-29
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. (NM)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$13000.00}
Consumer complaint received 2022-07-02
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. (GA)

My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against XXXX XXXX Equifax for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. XXXX XXXX Equifax are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both XXXX XXXX Equifax have a grave responsibility for doing so. Because of this, I am demanding that Equifax XXXX XXXX either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this Equifax XXXX XXXX have clearly violated the law.
Consumer complaint received 2022-07-02
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. (KS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-22
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. (GA)

The inquiry listed below is fraudulent and I was told by equifax that it would be removed in 24hours and they also gave me confirmation number XXXX but fraudulent inquiry is still reporting Equifax Fraudulent inquiry XXXX XX/XX/2022
Consumer complaint received 2022-07-02
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC (CA)

Currently in divorce proceeding.on recent credit report I found a mortgage ( Loancare in XXXX  XXXX ) I am not sure of this and do not believe I had a mortgage with this company.also spoke with XXXX XXXX as I showed an account was open with myself as a secondary account for {$13000.00} .the credit card is not in my name but I believe my XXXX # was used. XXXX XXXX states cards has first name that could be male or female but will not tell me the name except it is my last name. XXXX XXXX states they closed account today. There is an open XXXX XXXX card for XXXX also not mine. XXXX XXXX will not help me as I don't have full account number. The two address for me on the report are wrong.one is my husband 's XXXX XXXX ( I have nothing to do with that buisness ) and the other address is my adult son 's mailing address which is located in a small business for that purpose.my home address is not on the credit report from the 3 credit bureaus on XXXX. I did report to XXXX and should get a report in the mail within 30 days .also my report stated I also have another incorrect mortgage.another mortgage is correct, my current house.i am soon to be XXXX XXXX XXXXthank you
Consumer complaint received 2022-07-02
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: Chime Financial Inc (AZ)

On Friday, XX/XX/XXXX my account with Chime was hacked. Chime notified me immediately via text and email that someone in XXXX changed my account information while I was at work. I'm in XXXX. My boss let me call Chime to deal with this. I called them from my car with no one there for privacy, just me and the lady from Chime. We froze my accounts and at that point, no one had stolen any money but the hacker did move about {$170.00} from my savings account at XXXX XXXX  MST into my Chime checking account. Then they moved {$930.00} from my checking account into my credit account with Chime within the same minute. Chime support told me over the phone that my money couldn't be touched at that point and it was all still there, just in the credit account instead of spread out how I had it. So I reluctantly went back to work. After work I had a bad feeling, so I called Chime to check on my money. During the time between my call to freeze the account and me calling again after clocking out at XXXX XXXX, I the hacker transferred {$490.00} to paysend.com. At that time, my account should have been frozen because I called Chime to freeze the account just after XXXX XXXX and I have a screenshot of the call to prove it, among many other things. I went home, reclaimed my frozen account, moved what I had left to a separate bank and started the process to dispute the charge. Time after time they denied my dispute, citing that I didn't give them enough evidence that it wasn't me spending money even though I gave them everything they asked for and more, even screenshots of their notifications to me that someone was changing my information out of state. I need that money for college really bad, so I filed several rebuttals of their denials and sent more information every time. I need my money back. That was two weeks ago and I would've filed my complaint sooner but I've been too depressed. They could have just denied the payment while it was still pending because it wasn't even finalized at the time I disputed it. I tried so hard to cancel it before the money left my account. My employer even sent a statement saying that I was working when this happened. Please help.
Consumer complaint received 2022-06-08
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. (TX)

In XXXX of XXXX, i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX  account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.
Consumer complaint received 2022-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

My credit report recently had collection attempt for {$1900.00} from XXXX XXXX XXXX, first digits of account are XXXX. They claim on their records to have purchased this from Citibank. I have personally contacted Citibank and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IL)

I received a letter from Harris & Harris , Ltd., requesting payment for a charge that I was not aware of. However, I sent a reply to them on XX/XX/XXXX, to provide me proof that this is my account. Instead, they send me another letter dated XX/XX/XXXX, indicating the amount owed. I do not recall doing business with them. I requested to provide me with the agreement and contract with my signature. In addition, XXXX  asked to validate of HIPAA contract with my signature and complete accounting of alleged debt that I do not recall. They continue to ignore my request. Now, there is another letter indicating the same bill without any validation I requested in my previous letter. They did receive my certified letter with a returned receipt. See below from the Postal Office Tracking information : XXXX XXXX XXXX XXXX XXXX. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XX/XX/XXXX, in XXXXXXXX XXXX XXXXXXXX. 
Delivered, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX
Consumer complaint received 2022-07-02
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: DISCOVER BANK (GA)

On XX/XX/2022, Discover was notified via certified mail ( receipt attached ) of settlement in full offer for {$1000.00} for the account balance of {$4000.00}. The settlement agreement was if endorsed check was cashed/deposited ( receipt attached ), that the account would be deleted ( receipt attached ) with no derogatory items listed on the credit report. 

On XX/XX/2022, the endorsed check was deposited ( receipt attached ), and the account was not deleted, nor negative items removed from the credit report. 

On XX/XX/XXXX, the account was only updated to reflect the amount of {$1000.00} being paid toward the balance of {$4000.00} on the credit report. 

Discover has failed to uphold and adhere to the settlement agreement and if not updated as stated in the certified letter, suit will filed for the amount of {$1000.00} plus attorney and court fees.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (FL)

CFPB + XXXX + Hunter Warfield, On my XX/XX/2022 it says there is a collection account from HWARFIELD- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my XXXX credit account immediately.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX we filed claim number XXXX with Wells Fargo Bank NA disputing unauthorized transactions made between XXXX XXXX XXXX  and XX/XX/ totaling {$1400.00}. 

Wells Fargo denied the claim. We disputed the denial and they again denied the request for reimbursement. 

The charges are from restaurants and food delivery services in XXXX XXXX XXXX  We reside in XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that XXXX  is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment
Consumer complaint received 2022-09-22
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. (TN)

My personal information has been exposed by mutable Companies starting in XXXX by Equifax. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX XXXX  XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my Veterans Administration Guaranteed Home Loan but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Schreiber Law LLC (MA)

I supposedly had a debt from the early XXXX in which this company Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over 20 years old I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.
Consumer complaint received 2022-09-22
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 XXXX  XXXX XXXX ACCOUNT NUMBER 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 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

For the last 3 weeks, I wanted to apply for a new credit card thus I removed credit freeze on the 3 my credit credit reporting agencies. 

However, I keep getting? on my credit Equifax credit report, please see attached document. When I applied for a credit card 3 weeks ago, my credit application was denied even though I have credit score above 800.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/XXXX the company claim to have sent me a refund check for XXXX $ I never receive that check since then they keep asking to wait that something will arrive. They proceed to close my account without any balance of negatives just to not refund me.