davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-03-26
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. (MA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

Did a refinance but the payoff was incorrect. Attempting to solve the problem, it went past the late payment date, normal. The amount the late fee they are trying to charge is {$52.00} on the Unpaid Principal Balance of XXXX. After citing guidelines, they have refused to adjust the payment to the correct percentage of the unpaid PITI.
Consumer complaint received 2020-08-28
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-03-26
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: Reliable Credit Association, Inc. (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
RELIABLE CREDIT ASSC I, Inquired on XX/XX/2019.
Consumer complaint received 2020-08-28
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. (PA)

I have had problems with Equifax since 2019. Equifax finally, has added my information back the information is old and not updating. I have already called the creditors and they have reported to all 3 credit bureaus but Equifax has not updated my file. It seems to be stuck in time compared to my XXXX and XXXX are not updating it. The only thing that is changing back and forth is my utilization and I don't know why it is doing that if my credit report is not updating going on 3 months. I have tried to apply for loans and the creditor is saying that my Equifax file has a security freeze hen there is not a security freeze and I have verified this with Equifax. I believe there I a problem with my file and that it may be a duplicate file with 2 addresses? I only can verify through Equifax under my old address when I have updated my file and it shows with my new address. Equifax is one the WORST companies I have ever dealt with and they hold people person information it is just unbelievable how long I have been trying to get my file. I can't even get my file verified to get a loan which is a hindrance to no fault of my own. Not even a pre-approval for a mortgage because I am at the mercy of the incompetent mega-corporation that hire idiots to run it. I need to be fixed
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion fails to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX is showing XXXX XX/XX/XXXX XXXX, and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 creditor.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am in the process of buying a house and I need this off of my credit reports, I have called Experian and its really hard to get someone on the phone. Please delete this : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2022-04-01
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: DISCOVER BANK (NY)

On XX/XX/22, I received a credit card that I did not apply for. I did not activate said card. On the morning of XX/XX/22, I received a call from the credit card company, that this looked like a fraudulent card. They closed the account. This card was sent to an old address and used another phone number and email address, not mine.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 

Approximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me. 

After Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided. 

This is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses. 
XXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy. 

I did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me? 

I have already left messages for the appropriate parties with the FDIC. 

My name is XXXX XXXX my account number with XXXX XXXX is XXXX. 
My phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Thank you in advance.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I filled out an on-line loan application. Based on the quote, I authorized them to pull my credit report. The quotation was 2.875 % for 30 years, with a loan cost of {$1600.00}. I then was instructed to call them to finalize the application. When I did XXXX XXXX ( XXXX ) of AmeriSave Mortgage Corporation said the 2.875 % 30 year mortgage loan would cost {$17000.00}. This is clearly a bait and switch operation. Please shut this fraudulent operation down.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

Between XXXX and XX/XX/2018 when I was sick, my credit cards were stolen and account access by a XXXX  XXXX  family member. I filed an identity theft report through FTC # XXXX. I advised the creditors and disputed with all credit bureaus and they are still reporting the information that was due to identity theft. Please delete all negative information as I paid these cards/bills on time prior to the theft.
Consumer complaint received 2023-05-08
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2020-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Re : Capital One Bank Account # XXXX I have been trying to resolve this issue with Capital One for a year or more now, and they responded with a letter saying they were sending it to their fraud department ( according to CFPB Case # XXXX ; I never received a physical copy ) and to give some time. The letter was dated XX/XX/2020. I gave 6 months. In the letter they confirmed the account was done online and that they do not have any signatures, and it was linked to me by public records. Well if its public, anyone have access right? So that is not considered validation. According to the law, if the account is not validated the creditor must remove the account from my credit report. They also mentioned they sold the account. How and why when the account is not validated? This is unacceptable.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC (CA)

Equiant Financial SVCS has placed an inaccurate collection action on my credit report. They alleged that I owe {$3700.00} and am past due for this balance. However, they have provided no verification of this nor proof that owe these funds to their company. 

The balance is presumably based on a timeshare I previously owned. Two collection agencies ( XXXX and Equiant ) both placed erroneous collection actions on my credit report alleging HUGE outstanding ( past due ) balances owed for my prior timeshare ownership.. 

The balance alleged by Equiant is more than both the original loan amount ( {$2000.00} ) and the annual maintenance fees ( {$500.00} ) combined. Moreover, each month, they place a new action on my credit report alleging that the balance has increased and the payment is late by increasing intervals of time. This is a lie as I do not owe Equiant anything and am therefore CAN NOT be late in paying them. 

At no point did I agree to enter into negotiations with Equiant or concede that I owe any debts to their company. The actions they are now placing on my credit report are erroneous and causing significant damage to my professional and personal livelihood. 

I request that they remove the actions in totality and/or provide verifiable proof that the amounts alleged are owed to them and that they have a right by statute, status, or proxy to communicate and negotiate with me in this regard.
Consumer complaint received 2020-09-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Account XXXX XXXX XXXX XXXX ) I have a bank account with Bank of America Account ( XXXX XXXX XXXX ) that was recently closed, after being hacked into. 
On or around XX/XX/XXXX of 2020 I filed a claim and reported my account had been hacked into because I had charges on my account that were not mines. My claim ID was XXXX. While speaking with Bank of America they blocked my account and added an {$880000.00} hold put on my account. After that I had some important transaction that were declined. This cost me to have one credit card account closed ( Premier Card ) and my vehicle was repossessed ( Texas Trust ) due to this. Last statement for this account was a total return of {$10000.00} transaction that were closed. Without payment. 
I asked Bank of America to provide me with a letter stating why some transactions were being cancelled or not paid and state fraudulent activity was on my account. I spoke with them via XXXX direct messaging. They stated they do any letters and would not help. If they had of provided this I would not have had any issues and by law they have to provide something stating this if they go into my account and put it on freeze. As of right now I will be in financial ruin if they dont respond fast and provide me some type of letter that will help me. 

I also didn't get a new bank account until XX/XX/2020. So I had no money to withdraw from and had to max out some credit cards. 

Now the only way I can get my truck back is to pay the total of the loan, which is {$40000.00} until XX/XX/2020. I was only behind by 10 days.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I had a Chapter XXXX Bankruptcy drop off my credit report. XXXX  and XXXX recognized this an my credit score rose 80+ points. Transunion dropped my credit score by 7 points. I have contacted them multiple time via phone with no explanation as to why as nothing changed in my circumstances. They have failed to recognize the removal of my Chapter XXXX Bankruptcy.