davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

I am a victim of identity theft and have informed experian transunion and equifax that they are reporting several inaccurate inconsistent incomplete accounts with out my written permission.i was going threw XXXX on XX/XX/year> and my ex wife used my social security number and dob without my permission to open several accounts.i have filed an ftc report # XXXX and have filed an identity theft Affidavit and have sent over XXXX dispute letters through the last 2 years to XXXX XXXX  and equifax Informing that they are reporting incorrect inconsistent negative accounts without my written permission to do so which is violating my federally protected rights.i demand that the remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi am attaching the ftc report the identity theft Affidavit and tge most recent credit report information and the most recent dispute letters delete they aforementioned accounts within 4 business days from receiving this complaint.this is costing me countless hours and thousands of dollars in interest also keeping me from buying a home and a car.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IA)

I disputed a transaction on Cashapp, XX/XX/2022 for XXXX They denied it on XX/XX/2022, I asked to see the investigation they said they did and I never got a reply, I followed back with a message saying If there is any update on the dispute because I disputed it again, but no reply and whenever I contact customer service they just say wait 10 days for an update But nothing at all I contacted them more than 4 times, they give me the same reply.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; XXXX has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them XXXX and equifax has removed the information, XXXX is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Court. Inquiries : 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 XXXXXXXX.REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Consumer complaint received 2022-03-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.
Consumer complaint received 2022-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

In XXXX I purchased airline tickets through company affirm with 3rd party XXXX canceled flights immediately money has been refunded for about 1month and they are still falsely reporting that I owe them money over XXXX $ I've called multiple times they tell me that it will take 3-5 business days since XXXX and still haven't refunded the monies to my account in result my credit score and other things are being affected please help
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MS)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I filed bankruptcy in 2019 it was discharged in 2019, XXXX XXXX  was the issuer of a XXXX XXXX XXXX  I included. They were notified all was fine. A week ago check my credit report and see they flagged the old card ( numbers math ) as They I filed bankruptcy this XXXX XXXX and I did not. I will be filling against Experian because I called court and was told XXXX should have had to provide a case number before this hit my report. I have hard to rebuild credit and it has dropped my score XXXX points. I called XXXX they gave me a fax number it did not work invalid called again got fax number and address fax number again don't work address is no where close to to where this bank is at. 
I have include all documents I can
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank did not update my banking transactions on account XXXX accurately ( as in whatever I charged was not getting deducted from my available balance immediately for approximately 4 days after XX/XX/2022 ) and this resulted in my account allegedly going negative for the very first time and they added multiple overdraft fees instantly. They couldnt explain what happened but proceeded to update the statement ending on XX/XX/2022 to show like nothing had happened on their end. So if the mistake was mine, why did they remove the fees they added? 

When I lodged a complaint with them they quickly escalated to the executive escalations and they removed the fees right away but have refused to remove the negative balance of XXXX $ In my view I believe they deliberately failed to update the available balance on my account ending in XXXX so that they could levy the fees since they have never charged any fees on that account
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp (TX)

To ZuntaFi Payment Center XXXX XXXX XXXX XXXX, SD XXXX XX/XX/year> To Whom This XXXX Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Loans were XXXX a long time ago and this has not been reported to the credit bureaus. My balance is now XXXX however the credit bureaus are still showing that I have many thousands of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

Lender had been placed policy cause of lapse make a payment by mortgage to home insurance I had made renewal on XX/XX/XXXX20 ahead of insurance expired XX/XX/XXXX20 also had informed mortgage for billing, amount and fax them a declaration page then on XX/XX/XXXX20 I had receive a call from insurance about the payment then I had directly call mortgage /insurance department and had them both on the line then they promised to make a payment then balance was added to my account for {$1500.00} on the next day as my understanding I had got all covered until I've receive final letter from mortgage on XX/XX/XXXX20 mention about my house wasn't have insurance cover then I had call insurance to get all it fixed then email mortgage a prove of previous policy as I wished I wouldn't have to pay for any extra then got balance of {$500.00} added to my account on XX/XX/XXXX20 for lapsed cover from mortgage then another {$150.00} on XX/XX/XXXX20 from my insurance cause of premium rate increased while the house is not insured then I call mortgage for several times and I had been speaking with several person for the charged and each person gave me difference reason until I was asked them to get it reveres also responsible for premium charged from insurance because I had handed all information to mortgage and they had promised to make a payment to insurance since we last confirmed so It shouldn't turned out by got me pay for all extra charge cause of delay of payment by mortgage, then I had mortgage review my request for twice its turned out a carriere fault the mortgage sent out a check on XX/XX/XXXX20 but it was delay on transit then insurance was cut on XX/XX/XXXX2020 because payment never received on time as promised and I never ever receive any notice before they had cut my house insure until I found out from mortgage on XX/XX/XXXX20 as a result of second review they should clearly see that was not my fault and of course not insurance fault as well then I was question to mortgage about follow up payment they should be ensure that the payment should be received before due date and also they should be aware about the insurance was already expired on XX/XX/XXXX20 which is mean they have not much time left before insure had cut before sent out a check as a regular mail on XX/XX/XXXX20 why not make overnight payment instead? 
the answer from mortgage is not as they fault and even though their had relied it was cause of unusual pandemic of covid-19 could delay the carrier as it took longer period of time for proceed a check to receiver and it was too late for insurance to keep house cover more than 30 days without payment and insurance they could not back date as we tried to asked them for help, also mortgage still charge me for {$500.00} whatever reason I had proved to them.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving Macy's/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX - Macys/Citibank - Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX  XXXX XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX  - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - Macy 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- Macy 's withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and XXXX XXXXXXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay Macys/Citibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX Macy 's Reversed the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX Macy 's retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX Macy 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to XXXX XXXX
Consumer complaint received 2022-11-18
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. (IA)

I have submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-05-01
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. (NY)

The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the XXXX from " XXXX XXXX XXXX '' by them or liberty mutual. 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NY)

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft JEFFERSON CAPITAL SYST Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-06-11
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)

on XX/XX/22, I sent a dispute letter to XXXX, XXXX and Equifax asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.