davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have banked with Bank of America for 17 years. I have never filed a claim n them. On XXXX of 2023 My account was hacked and compromised causing me to lose XXXX in transaction via XXXX XXXX so random people that I have no idea who they are and where they live. My car insurance is canceled at the present moment do to not having the money available in my account. I have contacted my internet provider and my cell phone carrier. About the situation and they have changed my hardware and my sim car for my phone. I am still waiting for them to give me a resolution to this matter, and they keep blowing me off. Serval on my neighbors have had. The same issue with this bank. I don't know where else to go and ask for help. Please help me I have a family to support and take care of.
Consumer complaint received 2023-04-12
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions contacted me on behalf of XXXX XXXX XXXX to collect a debt that I do not owe. 

I bought an item from XXXX XXXX in XXXX of XXXX. XXXX XXXX signed me up ( unbeknownst to me ) for some subscription plan that I was unaware of until XXXX of XXXX. I messaged XXXX XXXX  through email requesting to be removed from this. They agreed. I then contacted them two other times in XXXX and then again in XXXX because they had not canceled this. They still did not even though they said they would. So, I took action through XXXX ( who I used to pay for this ) and canceled that payment and refund me since XX/XX/XXXX ( even though really it shouldve been since XX/XX/XXXX but I hadnt caught it until XXXX so I didnt have much of a leg to stand on, other than the fact that I didnt sign up for this service that got me nothing. I never received product outside of the initial product either. XXXX resolved my issue by finding in my favor. XXXX XXXX then reached out to me several times pestering me with invoices for products never received. Then they sent me to collections and I received my first notice about a month ago. I disputed this with evidence from XXXX and emails from XXXX XXXX and myself and no action was taken. I have now called and told Radius Global Solutions to stop trying to collect on this debt and am now in fear they are going to unfairly report this nonsense charge to my credit.
Consumer complaint received 2023-04-12
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2003 Navy federal bank in XXXX Va violated my ADA rights by refusing to let me into the bank to deposit a check and refused to let me withdraw money from my savings account. I dont have a bank card and Im in a wheelchair
Consumer complaint received 2023-04-12
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

I declare under penalty of perjury ( under the laws of the United States ), that the information provided is true and accurate to the best of my knowledge. Additionally, I certify that I am allowed by FEDERAL and STATE LAW to file this dispute on my own behalf. I also understand that knowing and willful misinformation or omitting of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that Ive made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC.
Consumer complaint received 2023-04-12
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

We, XXXX citizens opened a checking account in XXXX and it was closed in XX/XX/XXXX with a credit balance of XXXX {$390.00}. 

In this regard, we have received several emails messages from the bank advising us to provide a legitimate US address which I updated on XX/XX/XXXX. 

Nevertheless, in spite of having complied with the bank 's request my account was definitely closed on XX/XX/XXXX, and I have not received my money back as of yet to the given address. 

We consider this issue has taken very long for the bank to give us a positive response, and consider this has been an unethical and discriminatory management practice and lack of corporate responsibility by Wells Fargo bank to hold our balance, since we did comply with the bank 's requirement, and thus demand that our money be sent immediately to the given US address. 

We truly appreciate your valuable support in solving this matter at your earliest convenience. 

Best Regards
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to request that the Consumer Financial Protection Bureau XXXX CFPB ) delete the fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, I have been wrongfully targeted by several banks and financial institutions, resulting in multiple unauthorized credit inquiries on my credit report. 

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 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/XXXX These inquiries have caused undue stress and anxiety, as I have never had any dealings with these institutions and have no knowledge of the nature or purpose of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In this case, I am disputing the hard inquiries made by these financial institutions, which were not authorized by me, and were the result of identity theft. 

I have taken the necessary steps to protect my personal information and have reported the identity theft to the appropriate authorities. I have also contacted the credit reporting agencies and placed a fraud alert on my credit report. However, despite these efforts, these unauthorized inquiries have remained on my credit report and have affected my credit score. 

I urge the CFPB to investigate this matter and take the necessary steps to remove these fraudulent inquiries from my credit report. I am confident that the evidence will show that these inquiries were made without my knowledge or consent and that I have been a victim of identity theft. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
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. (MD)

There are some negative Late Payments on my Credit Report for the below company : XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Consumer complaint received 2023-04-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : 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 2023-04-12
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. (PA)

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 2023-04-12
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. (PA)

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 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

On XXXX I received a notification from XXXX that Credit Management LP flagged my account as Collections. The company that claims the debt is XXXX. After calling Credit Management LP and XXXX I learned that someone opened an account under my name for service at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX on XX/XX/XXXX. The amount of the debt is {$2300.00} I have lived in XXXX for more than 15 years, I bought the house I live in XX/XX/XXXX and have never lived in XXXX. 
I made an ID theft report to the XXXX Police department, report number XXXX. I also sent a report to XXXX.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-12
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. (NY)

I reviewed my consumer reports and noticed I have inaccurate late payments on one of my accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. The account I am referencing is XXXX XXXX and XXXXt. I made a payment for {$1900.00} on XX/XX/XXXX, my monthly car payment is only {$330.00}. My payments for XX/XX/XXXX and XX/XX/XXXX were paid for yet XXXX is showing as paid and XXXX is showing missed. Neither month was missed. 

{$900.00} was paid of XX/XX/XXXX, yet XXXX is showing as 30 days past due. Again this is inaccurate, the payment on XX/XX/XXXX covered both months. 

I also paid {$630.00} was on XX/XX/XXXX, which my statement reflects, yet it was also reported that {$0.00} was paid on XX/XX/XXXX, resulting in XX/XX/XXXX and XX/XX/XXXX were inaccurately reported as late payments. 

Please investigate and provide proof with statements showing that these payments we're late, if proof can't be provided I need these payments to be updated to on time as they should be as I was not late on the provided dates. 

Thank you for your assistance.
Consumer complaint received 2018-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

I am a 20 year XXXX XXXX service member. I have a family of XXXX. My wife is XXXX. I had orders to move to Florida. I lost a substantial amount of income and initially asked about a short sale 3years ago and was told my account wasnt eligible. I found out later by my commanding officer that I should be eligible since the orders forced me to move. Citimortgage finally agreed. I have had 3 offers submitted at their asking price. The first offer at the last minute they changed the price and I lost that buyer. They have since raised the price to XXXX which is inconsistent with other short sales I the area. I feel as though they are discriminating against me. Why would a buyer expect to pay full price on a short sale. I am asking they reevaluate the price point also there needs to be some accountability for timelyness. They took so long to approve the offer that I lost 2 more buyers. I think they are trying to force me into foreclosure.
Consumer complaint received 2023-04-12
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. (PA)

My name is XXXX 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.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I sent a XXXX  payment of {$1000.00} for a security deposit to a person claiming to be a real estate agent. They stated in writing that it was refundable but when I asked for a refund they refused to send it. I spoke with Chases claims department on XX/XX/XXXX who said they would investigate it and try to charge the other person back for my money. I got a letter in my bank statements on XX/XX/XXXX that stated no action would be taken and the inquiry is resolved yet they never asked me to provide any documents.
Consumer complaint received 2023-04-12
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: Synovus Bank (IL)

To Whom It May Concern : I am writing to dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by First Progress. 

I would like to note that the account in question was discharged through a XXXX  XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. 

Despite not receiving Form 1099-C ( Cancellation of Debt ) from First Progress, which is a violation of the Internal Revenue Service ( IRS ) regulations, I have filed the discharged debt as income on my tax return, as I understood it to be a requirement. The failure to provide the 1099-C is a breach of the IRS tax code, and it is my understanding that you have taken a write-off for the debt in question.

It is important to note that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA specifically outlines that consumer reporting agencies may not include any information in a consumer report that is related to the receipt of public assistance benefits. It is my belief that the income reported on my tax return, which includes the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.

I request that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from First Progress.

2. The validity of the reporting of the charged-off account. 




Please provide documentation supporting your findings and any actions taken to rectify the situation. If the investigation reveals inaccuracies in the reporting of the charged-off account, kindly remove the information on my credit report. 

If you maintain that the information reported is accurate, please provide me with a detailed explanation and any supporting documentation, including a copy of the signed agreement that established the debt and any other relevant information. 

Additionally, I request that you provide me with the 1099-C you failed to issue, as required by the IRS regulations .

I kindly request that you respond to this dispute within 10 days, as the Fair Credit Reporting Act ( FCRA ) requires. Failure to do so may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023