davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-20
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 a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2018-09-20
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)

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX/XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Jefferson Capital - XXXX - Is reporting on my credit for a debt I do not owe. It was sent to collection in error and it has already been paid. 
I never received a notice regarding this, I only saw it on my credit report. This is in error!
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (ID)

I filled a complaint a week ago, about chase credit cards, they called me the very next day, but. But I had my hands literally full and couldn't hold my phone at the time, I asked if they could give me five minutes, call me back, they said yes, then asked if this was XXXX XXXX, I said it is. They have not called back, I tried calling the number they called me from, it doesn't work. And they haven't called back. So I would like fill another complaint against them. I would also like to mention that I've went into a branch, Iand tried to show proof, also tried calling to get an email to show proof. Neither have worked so far
Consumer complaint received 2021-09-20
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 (AL)

I have disputed an account on my credit report, Discover Financial with the credit bureaus. XXXX is reporting the account with a {$0.00} High balance, date of last activity XX/XX/2021, and no closing date. XXXX is showing {$1100.00} High balance, date of last activity XX/XX/2021, and no closing date. This is a true fact on inaccurate information and reaging of the account because there is not a true date the delinquency occurred. I have ask the credit bureaus to delete the account. 


Thank You.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (PA)

So I received a text message saying that it was from my back and they gave a number to call ( XXXX ) XXXX it said that it was the security company from my bank ( PNC ). The robot said that my card was locked so it asked for my 16 digit card number, the expiration date, the CVV number, it asked for my pin and my social security number as well. I gave all that out because it seemed like it was my bank in the text message but I ended the call once it asked for my birth date. I called my bank but they were unavailable to answer so I would have to wait for a working day to speak with someone. The number that texted was XXXX. 
This happened on XX/XX/2021 at XXXX.
Consumer complaint received 2022-08-12
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 recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Windham Equity Company (MA)

The company is lease and rental they have reported on all 3 credit bureaus inaccurate and incomplete information each time with no loan amount listed, inaccurate payment history, no monthly payment listed and they always make sure to add 30/60/90 days late listed on all of them they have reported three times on each credit bureau every time I dispute they change remarks or just add more inaccurate information yes I did default on the car one time but previous to that the first loan was paid and then the second one was refinanced this company work side by side with my job an auto sales company in which they are just bitter and mad that I defaulted during rough times they no longer finance our vehicles and it is because of my situation with them they are reporting false information to get back at me basically I would like to move past this to repair my credit but they wont report accurately and I wish for them to be removed from all three credit institutions
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : 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 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 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 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

I would like to sign a complaint against XXXX  phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX  & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.
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: Experian Information Solutions Inc. (WI)

n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account #, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian 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 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX  credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (TN)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (GA)

I placed an order on XX/XX/2021 with XXXX XXXX XXXX XXXX in the amount of XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. I did place an order for XXXX for only ONE TRANSACTION however, I was charged TWICE for the same amount on the same day, I contacted XXXX XXXX XXXX XXXX and was instructed to contact XXXX XXXX XXXX XXXX XXXX Representative stated I was only charged once by XXXX XXXX XXXX XXXX which is correct. Why I do I have duplicate charges?
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXX 'S XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX XXXX XXXX REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MA)

Southwest Credit System XXXX XXXX XXXX, Suite XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of {$910.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

XXXX decided to move their credit card for XXXX/VISA to Barclays/Mastercard. I got a letter that looked like junk mail but opened it to find how to opt out prior to XX/XX/XXXX which I did. I was aware that my XXXX credit card would be closed as of XX/XX/XXXX. My XXXX account was moved to Barclays on XX/XX/XXXX even though I opted out. I didn't want a Mastercard and did not want to do business with Barclays. Barclays opened an account in my name without my authorization in fact I withdrew my consent for the conversion by following the procedure and opting out. I called XXXX and was told nobody could do anything until Monday, XX/XX/XXXX. I called Barclays and stayed on hold for more than 20 minutes and gave up because the reviews/posts on Barclays Bank US indicate that they do not answer. I feel like Barclays is opening accounts without people 's permission to make it look like they have more customers than they actually do similar to what XXXX was accused of and paid significant fines. I shredded the Barclays credit cards when I received them because I was told just don't activate them if I get them. XXXX and Barclays have violated my privacy.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (PA)

Harris & Harris Ltd has been directed to stop calling my home for a debt I do not owe. Despite this, they repeatedly call using a robo-caller that only provides a long-distance call-back number. The calls also come outside their stated business hours, so there is no way to mediate the issue without generating ANOTHER call.
Consumer complaint received 2021-09-18
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)

I didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX OF 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 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 XXXX 
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 2021-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: M&T BANK CORPORATION (PA)

I wasnt getting unemployment for a couple months so I had them do a forbearance on the loan. When I finally started getting paid from unemployment I took the loan out of forbearance and then unemployment went to a new system at the beginning of XXXX and I havent got a check since then and were nearing the end of XXXX. 3 months or so without any money coming in and I called about doing another forbearance and they said since I already had one this year, I cant do another one.
Consumer complaint received 2022-06-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on experian it shows balance is {$0.00} on XXXX  it shows {$4800.00} on XXXX is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on experian it shows XX/XX/2016 on XXXX it shows XXXX
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

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 also states that a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2021-09-17
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. (MN)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.