davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Whom It May Concern at the CFPB, I am submitting a complaint regarding a collection account reported by Equifax from XXXX XXXX XXXX. This account, listed as an open collection with a derogatory rating and a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$1100.00} Status : Open Collection/Late 120 Days Summary of Issue : Equifax is reporting this debt from XXXX XXXX XXXX despite my lack of any business relationship or account with this company. I am not liable for this debt and have no records of any transactions with XXXX XXXX XXXX. I have disputed this with Equifax, but the report has not been corrected. 

Requested Resolution : To resolve this issue, I am requesting that XXXX XXXX XXXX have Equifax : 1. Remove this unverified collection account from my credit report, as no validation or documentation proving my liability has been provided. 
2. Ensure no further reporting of this inaccurate debt on my credit report. 

Thank you for your attention and assistance in this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (VA)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MA)

Just checked my Citi card and saw they decreased my limit from XXXX to XXXX. They sent no letters there is nothing in my message center and I have never paid late so Im not sure if they think theyre going to charge me outrageous interest rates to now put me over my limit bc thats what it looks like is going to happen Im left with XXXX. They could have at least bc I always paid on time gave me a notice I know they dont have to but with their high interest they are now going to put me pretty much over the limit and then what charge fees on top of that?
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had a conversation with XXXX from Capital One on XX/XX/XXXX who began a fraud investigation, after I reported that two credit cards from Capital One were taken out in my name without my knowledge or consent, at my family 's address - from whom I am currently estranged and where I have not lived since XXXX. 

On XX/XX/XXXX, my mother was called who was informed, via voicemail, that the investigation was resolved. When I called them to check on this, a Capital One recovery department representative told me it was resolved, but it was " resolved '' as invalid fraud, meaning that they claim there is no fraud issue and that I took out the cards. This was predatory, in that if I hadn't called to check, I would have assumed the claim was " resolved '' in a positive manner, because the voicemail did not make clear there continued to be an alleged fraud issue. 

Further, when I asked them why my mother was called and why I was not -- even though they are claiming the cards were taken out by me -- they refused to answer or provide information from their investigation. This makes it seem to me that my mother is also on the card, or her information is, and I was placed there as an authorized user. The company would not give me information that they used in their investigation over the phone -- even though I verified my identity over the phone earlier in the conversation -- and are making me appeal the issue without an understanding as to the charges. This is predatory. 

I have the last four digits of the two credit cards from my credit report, but I do not have the full credit card information -- which they will not give -- as I did not take out the cards.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (NJ)

I have reached out to experian to update information on my credit report tk reflect what zu current for my XXXX XXXX bankruptcy filed on XX/XX/XXXX. Experian has sent and updated the date of removal for serval of my credit accounts. The main one being XXXX XXXX XXXX. The first date of delinquency is as reported and has not changed is XX/XX/XXXX. Therefore, the date of removal of this information from my credit report would be XX/XX/XXXX. Experian completed and ingestion on XX/XX/XXXX updating the account with a removal date of XX/XX/XXXX. This extends the date of last activity date as well as the reporting timeframe is which the account is to legally be reported on my credit. I have tried to have the account update to state that it had been petitioned and included in my XXXX  XXXX bankruptcy.
Consumer complaint received 2023-07-27
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-25
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. (CA)

On XX/XX/2023 I submitted an investigation results to all XXXX credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or XXXX on the phone and was left on hold and then disconnected. The above happened with all XXXX of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (LA)

Discrimination : American Express National Bank closed my account, in part, because I am transgender. 

My account was closed for " suspicious activity ''. Part of that activity was that my email address and my legal name do not match. I have informed the bank and its 3rd party customer service company on several occasions that my legal name and preferred name do not match because I am transgender.
Consumer complaint received 2023-07-25
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. (TX)

I am writing to dispute the account referenced XXXXXXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/ which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data. Please see the True bill attached. Remit payment to address on the invoice.
Consumer complaint received 2023-07-25
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)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending to submit a follow-up complaint concerning the account XXXX XXXX This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2023 I redeemed XXXX points for a {$50.00} XXXX Gift card. It was marked shipped on the XXXX. Shortly after I enrolled my account in a payment program, and it was marked closed. 

I did not receive my Gift Card although it was marked as complete, so I contacted Barclaycard support on XX/XX/XXXX. At this time I was told that they would investigate the incident and get back to me with a solution. 

I did not receive a follow up, so I called again on XX/XX/XXXX. I was told to call Mastercard to figure out a solution, but after calling Mastercard and realizing they could not help me with Rewards issues through Barclaycard, I called again the same day. 

I was told that they had refunded my account the XXXX points and that it should be in my account within a few days. I stated that I was in a payment program and my account was closed, and asked if it would be an issue. She said it wouldn't be an issue at all. 

I waited a few extra days, and not seeing any points in my account, I called again on XX/XX/XXXX. I was told that indeed the problem was that they attempted to refund the points, but because my account was closed, it was not possible, as I had stated several times that it might be. The woman on the phone then stated she would create a new support ticket and elevate the issue. I stated I did not need the points, simply to get my gift card sent to me. She said they would communicate by mail the solution. 

On XX/XX/XXXX I received a letter from Barclaycard simply stating they could not help me with my rewards issue. I called again that day, was transferred to different departments, and stated that this was not okay and I need a resolution, which would be to resend my gift card. I was told because my account was closed and because it wasn't in " good standing '' that there was nothing they could do. My points were redeemed and card was shipped before my account was closed and I am in a payment program which has made all payments, although that should not matter anyway, as this was redeemed and shipped before I even closed my account. She stated she would send an email to the rewards department. 

Today, XX/XX/XXXX, I received a letter again stating they would not assist me with my gift card issue. 

This is not acceptable. I earned points on my account and redeemed them for a gift card that I did not receive as a result of a failure on Barclaycard or the shipping company. This is a large credit card company and this should be a non issue.
Consumer complaint received 2023-07-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Climb Credit Inc. (SC)

Climb InvestCo was included into my XXXX XXXX bankruptcy from XX/XX/XXXX. The judge that heard my case allowed all creditors to make an appearance in my case to determine if I shouldnt be granted the bankruptcy. No creditors including Climb didnt appear or submit any objections at the hearing. The judge ruled that my case was indeed a hardship and discharged all of my debts. The Climb loan was not a federal student loan but a private loan and a federal judge has ruled that private student loans are acceptable to be included. So the attempted collection is in violation of said federal ruling of XX/XX/XXXX. Your assistance is needed to prevent the continued attempts for collection. I disputed the collection account numerous time over the past year but every few months climb gets the credit bureaus to re-list the collection account.
Consumer complaint received 2023-07-25
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-26
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. (FL)

Dear XXXX, XXXX and Transunion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
3. ) XXXX XXXX XXXX-Account Number : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
4. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
5. ) XXXX XXXX-Account Number : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is inaccurately reporting two accounts and a balance that do not belong to me. These accounts are fraudulent and a result of identity theft. Despite my numerous reports, you have failed to take action to remove this erroneous information. I am attaching letters from the original report once again. It is imperative that you address this issue promptly.
Consumer complaint received 2023-07-25
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. (AL)

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 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 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (ME)

I applied for a mortgage and my broker opted out of getting scam calls. So far, from XXXX until now ( XXXX ) I have received over 30 unsolicited phone calls, and all but 2 have been using spoofed phone numbers ( which violates FCC regulations ). The callers hang up if I don't specifically say yes or no during the phone call, which is a huge red flag indicating these are scams. All of the callers use generic company names ( i.eXXXX XXXX XXXX  ) which return dozens of companies using this name, and none of which are located in the area code they are calling from. 1 caller has even referenced XXXX specifically as the source of their information and 1 claiming to be with the VA confirmed he got my information from the credit run. I never authorized these XXXX credit agencies to sell my information to thousands of XXXX.