davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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. (CO)

The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

I.Q. Data International XXXX XXXX XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the XXXX XXXX XXXX I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 

also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-07-29
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NY)

I have repeatedly called us direct express by comerica Bank that I get my social security benefits deposited on to over the past XXXX weeks approximately XXXX times to get info on transactions but get message to call back later. A live person has not once answered the phone. The login I used to use to print my own statements says it is no longer available. I am applying for financial assistance for medical bills and will be denied unless I have these statements causing me financial harm. I need XXXX and XX/XX/2022 statements immediately. I called web support XXXX days ago and was advised that on their new app u can not get statements.
Consumer complaint received 2022-12-05
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. (TX)

I am writing a complaint because the Credit Bureau Equifax has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX 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 2022-09-25
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: Westlake Services, LLC (MI)

Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
Consumer complaint received 2022-07-04
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that 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.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I have banked with Wells Fargo for approximately 4years. During the course of time I've experienced fraud in my account on numerous occasion. I reached out to the bank making them aware of the fraud, unexplained errors e.g. ( errors stated I sent funds to someone I hadn't ), charges from unknown vendors, double charges from purchases. it was through these means that funds were syphoned out of my account over the course of years. Complaints filed were mishandled, and ignored by bank employees. I was told that the situation would be investigated only to have nothing done in the end.I received a lump sum from life insurance proceeds, which was meant for my family to survive on. I have a XXXX  XXXX which makes working a regular job difficult. When my husband passed away these funds were meant to assist my family with daily living expenses. The theft of these funds have theft of these funds has disadvantaged my family greatly. My Wells Fargo Bank account records does not reflect accurately the amount of funds deposited into the account. Wells Fargo have refused assist with this situation for some time now. Approximately XX/XX/2021 I spoke with someone in corporate who denoted the theft and hung up the phone on me. I would like a thorough investigation concerning the whereabouts of funds missing from my account.
Consumer complaint received 2022-09-25
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: VEROS CREDIT, LLC. (FL)

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

CREDIT FILE : XX/XX/XXXX Equifax Confirmation # XXXX have disputed these Hard Inquiries with Equifax, as I did not and they are still listed, saying that they are factual. This is incorrect, I did not authorize these. I have submitted the attached FTC report XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-25
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)

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MO)

I contacted discover and citi bank in XXXX of XXXX  to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX  receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ResidentCollect, Inc. (TX)

Basically, my old apartment complex is charging me an amount thats a lie! I have a copy of the lease I also spoke to the credit lady and she stated that was the truth the amount isnt right. They credit company tried to give me a new amount to f pay per phone conversation. The companies is no longer there the apartment have re named and complex no longer have documents. I dont know whats next XXXX $ Original Lender XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-29
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. (OH)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you
Consumer complaint received 2022-09-25
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 account is not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

This is not a dispute although XXXX XXXX XXXX will based on recent history try and void out this dispute by claiming its a disputeThe amazing staff at XXXX XXXX XXXX have, again, fallen short of their legal responsibilities in their reporting of incomplete data regarding an alleged medical bill theyve claimed Ive owed for year and still havent provided to me, you ( cfpb ), or equifax, XXXX, or transunion any validation of any service that supposedly owe XXXX XXXX XXXX. but for their slacker move for the day is : XXXX XXXX XXXX is providing incomplete data to Equifax regarding both accounts being reported directly failing to report the first delinquency day on both accounts. How long is this going to continue?
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Balance {$530.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Consumer complaint received 2022-09-25
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. (GA)

On two separate occasions ( XX/XX/22 & XX/XX/22 ) I have reached out to XXXX and I have also reached out to EQUIFAX on two separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. The accounts still remain and have not been fully validated by either credit bureau. 



XXXX ( XX/XX/22 & XX/XX/22 ) -Account Name XXXX XXXX Equifax XXXX XX/XX/22 XXXX XX/XX/22 ) -Collection Agency XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-07-04
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)

according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX  credit card and XXXX XXXX XXXX credit card
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

Dear CFPB, Citibank had restricted my Checking account XXXX without any legal reason to do so. 

In XX/XX/2022 I initiated a transfer of funds from the Ctibank account and that transaction was blocked by Citibank. A note I received from another bank to which I intended to transfer funds from my Citibank checking account read as follows : Please be advised that for the external Citi Bank checking account ending in XXXX, I did see the initial suspension was triggered by the failed {$45000.00} ACH transfer on XXXX. When viewing the transfer request on your Bank profile, I do show the rejection reason listed as Account Frozen / Entry Returned Per OFAC ( Office of Foreign Assets Control ) Instruction. 

As far as I know there is no legal action by any party that would put my account into XXXX status and I am not subject to any OFAC restrictions. I believe that Citibank restricted my account without any legitimate reason. 

As a result of Citibanks action I lost {$250.00} due to the fact that Citigroup blocked my transaction mentioned above and I am continuing to loose money every month in which I do not have access to the funds in my account. 

I would appreciate that CFPB investigates the practice of Citibank blocking customers accounts without proper legal process or a court decision.
Consumer complaint received 2022-09-25
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)

I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-25
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: HYUNDAI CAPITAL AMERICA (CA)

ON XX/XX/XXXX I WAS CHECKING MY XXXX CREDIT REPORT AND FOUND MULTIPLE NOON CORRECT UNAUTHORIZED INFORMATION ON MY CREDIT REPORT ADDRESSES PHONE NUMBERS ACCOUNTS AND EVEN AUTO LEASES I TRIED TO HANDLE THIS WITH CREDIT BURUES AND CREDITORS BUT THEY SHOW INFORMATION AS VERIFIED EVEN THO I SENT THEM A PROOF WITH MY COORRECT ADDRESS EMAIL ADDRESS AND PHOONE NUMBER THERE WERE ALSO COLLECTIONS FROM CELL PHONE COMPANIES THAT SOMEONE USED MY INFORMATION AND OBTAINED CELL PHONES AND LINES UNDER MY NAME I ALSO MENTIONED ON FTC REPORT ALL ADDRESSES CELL PHONES THAT ARE NOT MINE
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I've been accepting payments from paypal for my Short Term Rentals. They are currently holding money on services that were rendered through the XXXX platform. There is over {$10000.00} being held that has caused my business to be financially impacted as the money was to cover rent on my short term rental properties.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have new updated exhibits and information on Equifax latest response! 

I Demanded Equifax to explain IN DETAIL the PROCEDURES and METHODS USED to verified these alleged inquires on my consumer report! And Equifax IGNORED & DID NOT EXPLAIN what PROCEDURES and METHODS WERE USED! Equifax is STILL violating my consumer rights pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681 ( a ) ( 6 ) ( B ) ( iii )
Consumer complaint received 2022-07-04
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)

In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX 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. 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 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

PNC has been killing me with fees and i would like to know why. we have been through this already. 
Ive tried to talk to them they dont want to discuss, very nasty. Customer service was bad. Never went through that. 
They said that I was entitled to a certain amount of refunds on fees every year. 
PNC told me that. 
They have taken in the past two months maybe more, but for two months fees on overdraft and I do not have overdraft protection feature on my account. If its there it should not be because i didnt agree to it. 
The amount they need to refund me is : last month XXXX and this month XXXX. 
If theres no money in there dont put it through