davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My account was summarily closed after some 25 years of a solid relationship, our always paying the full amount charged each month. We are XXXX XXXX, XXXX with XXXX XXXX, the other XXXX XXXX XXXXXXXX XXXX, having only XXXX credit card. Thus it's closure leaves us without means to have groceries and other essentials delivered as the pandemic and our personal handicaps have necessitated. When I phoned customer service to remonstrate I was told the account was closed at my own request. If that is Citibank 's impression it could only be a mistake, perhaps due to misunderstanding telephone language or computer mishandling, and it seems contradictory to the paragraph in the card agreement pledging fair treatment to all regardless of age and limitations. I had earlier asked for a copy of the card agreement in an effort to understand the company 's interest system, since my last statement carried a significant interest charge for the very first time. The company has rejected my plea for reinstatement.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX REC has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-06
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. (SC)

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX XXXX Finance XXXX XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-06-06
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)

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This company is showing on my credit report and trying to collect money for a company I have never done business with or lived in an area that they service. Is this fraud? 

Account info Account name XXXX XXXX XXXX Historical info Original creditor XXXX XXXX Account info Account name XXXX XXXX XXXX Account XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$180.00} past due as of XX/XX/2022.
Consumer complaint received 2022-09-19
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)

This is Disappointing! The Credit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.
Consumer complaint received 2022-06-24
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. (NV)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; 2. XXXX XXXX XXXX  XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (AZ)

called bank to reactivate my online banking to be able to view past statements as well as make payments online for my credit card. After waiting 22 minutes and transferred 1 time I was told that unless I had an ACTIVE account with the company I could not view or use bill pay to pay said credit card. 

This bank is such a XXXX XXXX XXXX XXXXXXXX they never want to correct the errors that they allow to happen to the customer and when you get a case with the excecutive team they dont even call to speak to you and make their own decisions without even speaking to you. 

this bank allowed a XXXX car rental agency to XXXX XXXX my entire banking relationship and get all accounts closed plus the credit card. They still dont offer any help to this nature of consistent LACK of CUSTOMER SERVICE.
Consumer complaint received 2022-06-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EdFinancial Services (NJ)

XXXX XXXX my credit score as XXXX, XX/XX/XXXX in dropped due to this company ED financial attempting to collect on a debt that is 36 years old. I have received letters and sent letters requesting proof that the account was with ED Financial XXXX. I asked for the original contract and advised that this was also under the time-barred category. They sent me a contract under ED financial and have not removed this from my report. They are still sending mailings to my home and my score is dropping more each month due to this. I have attached a copy of the mailings to this complaint. They have also stated that I have made payments to them in XXXX and XXXX and I have not made any payments. May you please assist? Thank you for your time.
Consumer complaint received 2022-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I was a student at XXXX XXXX XXXXXXXX, I was told that after competing my degree that the school will help me get a job in my field. I field over 100 application for a job no one called or offered me a job. I completed my education on XXXX. 
After few years my financial situation got bad and I had to file for bankruptcy. 
I'm now XXXX  years the only income I receive is from Social security. {$950.00} a month. 
Thank you
Consumer complaint received 2022-06-24
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)

The Credit bureaus XXXX and Equifax stated that my account with XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) Account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 ( a ), 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 602 A, 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Consumer complaint received 2022-07-27
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. (MD)

I disputed something with the credit agency, after 30 days they have not validated the debt, which is in violation of U.S Code 1692 ( g ) ( k ). 

I would like this deleted.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

The company I am having issues is Equifax. I am trying to apply for an apartment and the apartment complex is not able to view my credit report because there is a freeze. I never put a freeze on my credit. I tried calling the company and they said I needed to verify my identity. They said the only way I could do this is to mail my information with a cover letter. They said it would take 7-10 days. So I mailed my information and I called back after two weeks and they stated my information wasnt processed. And then, they said I could actually fax my information. Which is something they said couldnt be done previously, even though I stated that I needed my credit score quickly. The calls are recorded so there is proof that they denied my request to fax my information. I just want my credit score to be available for my apartment to see my credit score.
Consumer complaint received 2022-06-24
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-24
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 Equifax : Inquiries : XXXX XX/XX/2022
Consumer complaint received 2022-09-19
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)

Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.
Consumer complaint received 2022-07-27
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. (CA)

According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (FL)

Sales person knocked on our door at XXXX on a friday night- came back at XXXX on a saturday ( next day ). This is not permitted in our neighborhood. Told us they service 90 % of our community ( sounded bogus but as a new build community there are contractors that do in fact service a large portion of our community ; XXXX, however, does NOT ). Told me the products were organic, non-toxic and safe for pets and children. They lied to me. I saw this as soon as the first invoice receipt landed in our inbox with the products used and links to some of them including warnings that these products are NOT safe for children/pets and are toxic/cause cancer ( none are organic ). We moved to cancel our account and they have refused to get on the phone. Continuously emailed that a supervisor will call us and they did not. When we did get someone on the phone, they confirmed they cancelled our account, waived the cancellation fee due to misrepresentation/our experience and would reimburse the initial fee since we didn't have our full treatment yet ( they had not sprayed inside the home, only outside ). They did not reimburse within 10 business days as they promised. We disputed with XXXXXXXX XXXXk, we won. The initial {$200.00} is back in our account and monthly payments were stopped. They have now sent us to collections over this {$200.00} which we do not owe. We have XXXX dollars owed and NO account with them!
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-03
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. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you LIST OF ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX  XXXX
Consumer complaint received 2022-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

There are unauthorized inquiries on my credit profile. I contacted the companies and they stated I needed to contact the credit bureaus because they have no record for me. I contacted the credit bureaus over several times last month and also on the XXXX, of XXXX ago requesting verification of the unauthorized inquiries and I was told that they can not verify the inquiries and they will not remove them. I requested to speak with a manager and was put on hold for over 40 mins and then they hung up the phone. 

They have not validated the inquiries and refuse to remove them.
Consumer complaint received 2022-06-24
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. (CT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 furni
sh a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX