davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-10-12
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. (IL)

Complaint ; Debt Validation Request and demand to remove false and derogatory information from my credit report I discovered that Equifax did not removed alleged delinquent account reported under XXXX XXXX XXXX XXXX XXXX name. 
While Credit Reporting Agencies typically not subject to Fair Debt Collection Practices Act, but then they act to create an appearance of legit debt they becoming a part of collection team, thus liable for reporting false information in violation of FCRA and FDCPA. 
I dispute and demand Equifax to perform investigation of account number ending XXXX which is falsely reported as delinquent and immediately remove this false and derogatory information from my credit report. 
I demand a respond from Equifaxs employee how and based on which material evidence Equfax determined that this account is delinquent and why Equifax decided that this account has any relationship to XXXX? 
I have sent many previous letters to you, all by filing complaints with CFPB, and requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I prepared to file a massive legal action in Federal Court where can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous demands stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

Also, I noted numerous " soft inquiries '' on my credit report, including Equifax 's inquiries under XXXX abbreviation. Please state that this abbreviation stands for and who authorized to place these " soft inquiries '' on my report? 
I anticipate your response.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had received my working check on on XX/XX/XXXX and try to go cash it at the Bank of America XXXX XXXX XXXX in XXXX XXXX. They got a XXXX to approve for me to cash it. When he found out I was XXXX he just said he couldnt cash it. I asked him why and he said the account number is wrong get out. I have XXXX forms of iD and even my XXXX info but he just wasnt hearing what I had to say.
Consumer complaint received 2022-07-26
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. (CA)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

I paid my balance in full on XX/XX/23. The payment cleared my bank on XX/XX/23. Apple Card through Goldman Sachs would not apply the payment and release the credit so I can use the card. They have the money and refuse to allow me to use the card until XX/XX/XXXX. The will not give me a reason other than the funds will be released on the XXXX. They will not allow me to escalate to anyone. They have taken my working XXXX for 15 days for no reason al all. I can't use the money that I paid the balance with, I can't use the credit card and now my auto pays venders I have set up for that card are all declining, because I paid my balance off early. The best part is they are doing this over XXXX!! As of this complaint, they have still not released my credit so I can use the card.
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 — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I never made this, I would like this removed. I don't know what XXXX  XXXX XXXX 

2. XXXX XXXX This is not my inquire, I never heard of this place. XXXX wasn't my address. I believe someone used my name. 

3. XXXX XXXX Date : XX/XX/XXXX I was never in XXXX, IL XXXX XXXX XXXX was never my address, this is a fraud address. I never lived there. 

4. XXXX XXXX XXXX Date:XXXX I would like this to be removed, the address is not mine. 

5. XXXX XXXX Date:XXXX  I didn't make this inquire, I would like to report this.
Consumer complaint received 2021-09-30
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: WELLS FARGO & COMPANY (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/22 at XXXX, I spoke to a Barclays Bank representative that identified himself as " XXXX XXXX on a recorded line. I attempted to make a payment and was refused by the representative. They then proceeded to lock me out of the account so I could not make an online or mobile payment. I have a recording of the company refusing to allow me to make a payment. They then reported late/no payment to my credit report and added late fees even though they refused to accept my payment information. My payment information was never collected to apply to the account even after I stated I am trying to make a payment and close the account. Then they decreased the credit limit, all negatively affecting my credit score which led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. XXXX was just trying to collect a sum of money I never own them..
Consumer complaint received 2022-09-18
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)

In accordance with the Fair Credit Reporting act 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 2021-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond. 

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT. 

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.
Consumer complaint received 2021-04-15
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. (NJ)

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 30days 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 2021-09-30
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. (GA)

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 30days 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 2019-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY re aged 2 accounts with XXXX XXXX showing they were opened in XX/XX/2018 this is fraud. They call multiple times a day claiming that I have a legal matter pending in their office and me or my attorney need to call them back. I have attempted to correct these items with XXXX, XXXX and Portfolio Recovery and they refuse to remove this false information from my credit report. The phone calls claiming to be an attorney continue from Portfolio Recover from various locations across the US. These calls are to my cellphone that is also on the do not call list.
Consumer complaint received 2021-09-30
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: ONE REVERSE MORTGAGE, LLC (TX)

My father took out a loan in XXXX thru one Reverse Mortgage , LLC. In order to be approved they sent a real estate inspector to examine the home, and he made his recommendations. He made us a list of structural repairs to be completed by a set date. I made the repairs myself with a request to or more time and they agreed, plus, it was specified that said repairs had to be done by a licensed contractor. We got it done on time and proper and the last inspection was done. A different inspector came ( also a man ) he does a quick walk through and I had left a ladder set up with the access way to the attic in plain sight. He said he didn't need to physically go up into the attic. As he is leaving I requested his assurance that we had succeeded in passing the listed repairs. He turned to me and said, " I'm not going to pass this house. '' And I responded, " why not if we completed the repairs on the list? '' And without missing a beat, he answered, " because I saw that you missed a patch of bad shingles, and I saw water damage to the roof ( plywood ). '' The whole point of the inspection was to grant the full amount of the loan or just half. My father said he tried getting an equity loan but that gave him some kind of trumped up reason on why he didn't qualify and then offered him, in total XXXX cash. After we did the repairs the first try ( that is my hands ) they released XXXX by check and after the last they sent the rest. We expected another XXXX XXXX and change but received only XXXX ... ... which I used by cashing it at XXXX XXXX XXXX and then crossing XXXX XXXX to buy groceries at XXXX  # XXXX. They railroaded my father and three days after I buried my father on XX/XX/XXXX I received three packets in the mail. Each with a error in the address and each identical. It opened like this, '' this is not a bill. This is a reminder, you have thirty days to pay original loan amount in full or your home will be foreclosed on, {$58000.00}, and then the pandemic hit us so fiercely that the CDC issued the no eviction memorandum and now it's no more and me and my XXXX youngest children are about to be put out on the street amid an even more deadly variant than the original co-vid 19 virus. Please, stop these reverse mortgages from being served because when the old are left with no one to fend for them I know they are mistreated. I am living proof.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OneMain Finance Corporation (TX)

OneMain Financial XXXX XXXX - XXXX XXXX XXXX XXXX, Texas XXXX Employee from the office listed above contacted my place of employment and left a message on a General Voicemail for the company - on the voicemail the employee stated my name, that she was from One Main Financial and that I needed to contact her immediately to make payment on my account. This is a general voicemail for the company and not my direct voicemail - Furthermore, I submitted a formal request to XXXX XXXX previously to remove all of my contact information and to cease and desist in any phone related contact. I did not share or provide my current employment contact information either. 

Completely unacceptable to call my place of employment when the information was not provide and a formal request was acknowledge and accepted by the Manager of this office.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Also, all information on reports must match across all 3 bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Consumer complaint received 2022-08-02
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: AMERICAN EXPRESS COMPANY (NJ)

I have disputed an amount of {$1300.00} against XXXX with American Express. The transaction was in XX/XX/XXXX. I had returned the item and provided the return tracking info but the seller was still not refunding. The item received was missing parts. Then XXXX said they couldnt do anything bc its a third party seller and they are unresponsive. They suggested I dispute with AMEX. So I disputed with Amex back in XXXX and I received the credit. But later the credit was reversed and I wasnt given an explanation why. So I reopened again. This cycle of opening and closing and back and forth with XXXX and AMEX continued. So XXXX agent gave me the final answer that only AMEX can reverse the amount. But now Amex is telling me they can not do it because its past 30 days. Thats something new they told me today, XX/XX/XXXX. All these time they said they were reopening and investigation is in progress. I think this is u fair to give false information to the customer and keep dragging it to say 30 day period is over. There are chat history on my online account and all the phone calls I made to AMEX. I would really appreciate this resolved ASAP bc I am getting charged interest in my account and my credit score is being affected due to this. I sincerely look forward to hearing back.