davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (CO)

It is EQUIFAX 'S duty to report correct and accurate information on my credit report and file, however they are NOT. 

EQUIFAX is reporting 1 inaccurate late payments for the XXXX XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 3 late payments for the XXXXXXXX XXXX XXXXXXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 2 late payments for the XXXX XXXX account. This includes a 30 day late payment posted in XX/XX/XXXX and XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-26
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. (MD)

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 2023-04-26
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: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

This complaint is against M & T Bank. At the beginning of XX/XX/2023 I contacted M & T Bank to let them know that I am paying the insurance in full as it is the only way to get the policy in place. I explained to M & T that they do not need to send the check to me for the insurance as it's paid and to send it to me. Of course they did not listen and sent the check. I went back and forth with them to get my money but made no progress. A year later, I was refunded my {$4900.00}. Not everyone can go a year without having that much money and there is an opportunity cost lost for me. 

This year, 2023, they did not pay the insurance in time. The insurer, Reinsure, charged my credit card on XX/XX/2023 in the amount of {$4800.00} so that we were not left uninsured. My insurance agent has been going back and forth with M & T since then. M & T continues not to follow instructions and has mailed the payment wrong 3 times now. I got back {$4000.00} on XX/XX/2023 so I was still owed {$810.00}. Then on XX/XX/2023 my credit card was charged {$410.00} because in order to maintain the policy they had to charge that so now I am owed {$1200.00}. 

I contacted M & T through email on XX/XX/2023. Their response is not what took place. They included a number to call to help get it fixed but the automated commands sent me in circles and I could not get someone on the line. I asked them to have someone contact me directly and on XX/XX/2023 they said they would have someone contact me. No one has contacted me. 

I am in the mortgage business so I know I am not the only one who has had this issue as we sell some of our loans to M & T Bank. I can share the email communication with my insurance agent to support everything I have included above.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an XXXX XXXX XXXX  from XXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( XXXX  XXXX XXXX XXXX traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. 

I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. 

I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX XXXX  XXXX saying that they represented Spring Oaks Capital who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. 

Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX XXXX XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with XXXX and Transunion and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been closed.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I applied, and was approved, for a Citibank , N.A . credit card in XX/XX/2023 for the sole reason of the balance transfer promotion attached to the Citi Simplicity card. The documentation received with the card ( card ending in XXXX ), dated XX/XX/2023, advised my limit was {$3300.00} and the balance transfer option was " 0 % introductory APR for 21 months from the date of first transfer when transfers are completed by XX/XX/2023. '' On XX/XX/2023, I accessed my online account to submit the balance transfer request and the balance transfer promotion was no longer showing. I spent an hour on the phone on this date & the representative located the offer and advised the offer would reflect online by XX/XX/2023. I accessed my online account on XX/XX/2023 and noticed the offer was not there. I began an online chat with a representative who advised she could not locate the offer and advised I apply for a card that has that offer. I feel I was a victim of " click bait ''. Citi responded on XX/XX/2023 advising they will honor the offer. I have since made 3 phone calls, XX/XX/2023 # XXXX, XX/XX/2023 XXXX and XX/XX/2023 leaving a message for a return call as I was advised on XX/XX/2023 that I would receive a call from XXXX within 48hrs to process the bonus offer. They advised on XX/XX/2023 that the cases on XX/XX/2023 and XX/XX/2023 were closed and needed to be reopened. They have yet to process the bonus transfer offer that expires XX/XX/2023. I believe they are delaying this process on purpose.
Consumer complaint received 2018-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

***ADDING TO PREV COMPLAINT*** Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 IN ADDITION to being charged a {$36.00} nsfw for a bill payment that came out in error, they are now charging me 2 more fees. 
I pulled up my bank account on Sunday, XX/XX/XXXX & now B.B. t had me at negative - {$88.00}. I called spoke to XXXX at XXXX. They charged me 2 more fees for XXXX charge if {$4.00} and XXXX XXXX {$15.00}. I want these fees removed now 3 fees at {$36.00} each so I can close this account. 
Ill cleared my last balance and had a positive balance. I even tried to close my account and dispute XXXX transactions that keep running through this bank. I tried online with no help and I tried via phone and the rep told me to contact XXXX. 
Ill never recommend family or friends to come here & report this to the news and social media and I will seek my attorney if its not resolved.

Ill never do business again here nor recommend family & friends to this bank.

I want the 3 fees of {$36.00} waived so I can close this account asap.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (VA)

The Virginia Department of Taxation nor Harrison Harris attempted to contact me at my correct address. I never received any certified mail or any communication from them whatsoever. Harrison Harris wants me to pay 60 % of my total balance of {$25000.00} ow to the Virginia Department of Taxation with no guarantee that my name will be removed from the offset program which is garnishing 100 % of my wages. I then will have no means to make a monthly payment on the remaining balance. I currently have no income and which is not subject to offset.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-04-26
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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. (AR)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US Dept of ED/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 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. 1681-2 ( 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 2023-04-26
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: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 168s-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 2018-06-22
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: CITIBANK, N.A. (IN)

On XX/XX/XXXX, a series of fraudulent charges were made to my account. All but one of them was cleared from my account. The fraud charges resulted in me getting a new credit card. The charge that was not eliminated was for {$400.00} to " XXXX ''. I notified them via calls and messages and formally filled a dispute. When the dispute was finished, they said an error was made and the {$400.00} was put back on my account. Only this time it was three separate charges of {$400.00} each totally {$1200.00}. I called to notify them, was hung up on, and called back again. This time they told me they have to close my account again and issue me another new card. Complete waste of time to go through this all, have to switch over my auto pay bills all again, and still not have a resolution to it.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

This is my Fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (LA)

My XXXX XXXX account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current Experian and XXXX and later XX/XX/XXXX on XXXX and XXXX this XXXX is incomplete and inaccurate and in inaccurate balance the bal on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX  XXXX for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information I have recent disputed with the creditor and their responds states they report accurate and complete information which is false bc each report shows different late and current payments