davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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)

I was mislead as a consumer ( UDAAP ) this was the law that was broken XXXX XXXX with Equifax Identity Theft with Equifax on XX/XX/2017 In XX/XX/2017, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately XXXX XXXX U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. 

Equifax XXXX XXXX, XX/XX/2017 - I am a verifiable victim of identity theft and have a Affidavit of Truth UDAAP - were the laws that were broken and or violated I was mislead as a consumer ( UDAAP ) XXXX crimes happened : XXXX. XXXX XXXX thru Equifax Data Breach XXXX. Identity Theft Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single XXXX  even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. 

It is also my understanding that Under the U.S.C. 1681, ever single XXXX even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations How I was affected : - Identity Stolen - Denied XXXX XXXX XXXXXXXX lost XXXX due to XXXX credit reporting - Denied Unemployment - Denied forbearance on school loans- Had to pay more for car insurance - Had to spend extra money due to suffering and had to have medical treatment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - after I found out I was affected and my personal info had been compromised and or stolen from Equifax. 
- I was denied mortgages - Charged a higher deposit on home rentals- Could not finance a vehicle You sent XXXX Your priority mail packaging, box and weigh was XXXX Receipt attached Printing yesterday was XXXX I have attached the following : Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( XXXX ) UDAAP FCRA report
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-04-03
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. (SC)

My name is XXXX XXXX XXXX XXXX Of XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX and I am a living human being with my right given to me by being born in the united states of America by the fcra and the federal facts act, right that have been continuasly violated by all three cra, 's the the government intentity that was formed to stop such oppressions have aided in the abuse of power by the cra 's this complaint is against equifax . 

****Reason :! month ago my credit score was XXXX today it rests at XXXX wich is XXXX diffrance that being said my credit report with equifax has * no bankruptcy *no collections *no late payments/past or presant I have an bsolutly flawless credit report with equifax yet my score has dropped XXXX points and they have given me XXXX for an explanation in fact I have talked to about 6 or 7 diffrent supervisors and about 20 or so customers service agents asking for help and they all say the same thing after examining my report. 
and i quote " XXXX XXXX we do not have access to your credit score but if you are dsaying on the equifax website it is XXXX, Let me tell you i see no reason for your score to be that low .I see right here that when you say in fact your score was indeed XXXX '' After being told that over and over i can be heard on recording explaining to them that something must be done i wrecked my truck and new to secure nerw financing on a vechile and am told and i quote " XXXX there is nothing i can do evidently there is a glitch in the system and you must wait 30 days for it to pass '' i explain that i dont have 30 days i have to find a vechile now i need to work and pay my bills and that equifax issues the score there musst be someone that they can point me to for help with this, a number i can call a diffrent office and am told time after time and i quote '' XXXX i sugest you wait 30 days for the system glitch to fix itself there is nothing more anyone here can do for you have a nice day '' This is hurting my family i cant work because i cant get a vechile i have spent {$1100.00} but i am out of money now mortgage due next week no vechile to go to work, i just bought a house is equifax going to reimberse me these funds and pay my mortgage while i wait for their glitch to fix itself?????? I fear we may have a problem like last year where equifax is issueing the wrong scores for people I need help or i will have to go to the news with this i cant lket their glitch ruin everything i have worked for please help and please have them pay the damagesw done thus far
Consumer complaint received 2023-06-29
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: WELLS FARGO & COMPANY (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

PayPal informed me they would be holding my money for 180 days and then giving me the remaining balance and after the 180 days they decided to keep the money for themselves, on XX/XX/XXXX they debited the account and shows a payment to PayPal of {$2400.00} due to acceptable use violation. I am running a legitimate business and when asked what rules were broken they will not tell you. There is no reason to steal my money, Ive contacted them countless times trying to get them to take a second look and they wont reinstate my account and give me my funds.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-17
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: CITIBANK, N.A. (CA)

My Costco Citi Card had fraud charges on it. Citi 's fraud algorithm did not catch this which was extremely blatant with XXXX charges worth just under {$10000.00} from the same company happening within 1 week ( XXXX ). Now I have spent over 5 hours trying to have them remove the charges from my statement so that I can pay them the correct amount. They will not do this but also tell me that if I don't pay them, they will hit me with late charges as well as interest. They say it will take 2 months to sort through all the charges and can't help me determine what I am actually supposed to pay. I have had mostly poor reps who do not want to help because it will take too long and it will XXXX up their call center XXXX metrics. I did get one good rep that spent the time with me to try to do the calculations to determine what I owe but even that rep could not do it because Citi does not give them excel to help work on these issues and they do not have systems that can handle situations like this. They also keep telling me that I am liable for these charges until the point that they determine they are frauds ( and insinuating that this is probably not fraud ). I have had credit cards for 35 years and have had fraud before but they always immediately remove them from my account during the investigation stage so that I can know what to pay them. I get the feeling that the company is not prepared for a situation like this and is putting it on me to deal with it while they stall. I have talked to Costco and they seem to not be surprised and gave me this site to report it and it does not sound like the first time they have received complaints from Citi.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Throughout the last year in a half, I have sent out a number of letters regarding this matter, and recently, on XX/XX/2022, I sent a letter regarding errors on my credit report. Despite over XXXX  days passing, I have not yet received a response. There is a sense that I am being taken advantage of and ignored by my disputes. It is clearly stated in Section 611 ( a ) that a failure to investigate these items within XXXX  days constitutes grounds for immediate removal from my credit report. There has been no activity for over XXXX days, so it should be immediately deleted. If these accounts are not deleted immediately, I will file a lawsuit based on the stress you have caused me. At this point, I am ready to send it through and proceed with the lawsuit. I was also affected by the XXXX data breach and my information has been misused.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. ()

I sent a letter to Experian, XXXX, XXXX on XX/XX/XXXX, its been well over 30days, I still have received anything back according to 15 USC 1681i ( a ) ( 1 ) ( A ) these companies have 30days to raise my dispute. My credit score is going low without reason, I pay my credits on time. This is a violation of my rights.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: New Light Marketing Inc (AZ)

I paid XXXX to a company called Docufi Solutions.I was told they could help me get out debt by paying XXXX XXXX a month.Once it was paid I received a email saying Congrats your debt was paid off from my student loan. I then called financial aid because I noticed the debt was still there and hasnt been paid. 
Payments made from XX/XX/XXXX to XX/XX/XXXX .Total payments made XXXX .Total amount paid XXXX called student federal aid and they stated they have not received anything from this company. 
Confirmed XX/XX/XXXX
Consumer complaint received 2022-10-03
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: Atlanticus Services Corporation (OH)

I opened a credit card account with Aspire. I normally paid the balance I owed in full at the end of each month. Because I no longer wanted to pay the excessive fees and high interest rate, I paid the full balance and chose to " Lock '' my account on XX/XX/XXXX. 

Later that day, I received an email from Aspire stating that my account was " Closed '' and that " All future authorization requests will be declined. '' However, when I checked my account a week later, it appeared that I still owed {$210.00}. So I immediately paid that amount on XX/XX/XXXX, which caused an overpayment in that amount. 

I contacted the company on XX/XX/XXXX ( the day this charge appeared as an ach debit on my bank account ). I was told that they could not reverse the charge, even though it was made the day before and a refund would take 7-10 business days to process. 

I contacted them again today and was told that " it takes 7-10 business days for internal processing and an additional 10 business days for me to receive a refund check. '' I was further told that " a refund check was not processed. '' The card was issued by The XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, transunion, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

To whom this may concern, I would like to address my concern also my concern also addressed to the CEO XXXX XXXX. Over 1 month ago Target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering I did nothing wrong I submitted my payment now they closed my account and this going to affect my credit score and become a very badly. I even made means right, I returned the items I bought to get back to my balance even made a payment at the store the other day please open my account back OR Make means right either offer an arrangement or settlement. Target red card has truly impacted credit and lied serval times they so call state As a result, your account was closed per the terms of your credit card agreement due to multiple returned payments. When I only authorized one payment why would I make 2 payments in a month .... please help me to understand how fraudulent your system works and send out a arrangement saying multiple payments returned accounts can be closed.I requested this over 1 month ago and still nothing received expected for being lied too your Reps are not trained and they are no help they told me to upload my bank letter which I did and still never heard anything back its kind of sad this is the way a credit company treats their customers. I heard nothing but from them back on.. I SPOKE TO XXXX  AND STILL NOTHING RETURNED. TARGET HAS ALOT OF EXPLAINING AND I WANT THE CEO TO CONTACT ME.