davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: EQUIFAX, INC. (NC)

I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with Equifax, XXXX, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is not accurate and a collection is reporting open. This is grounds for removal and violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish an account without written permission. 

Regarding Accounts : XXXX XXXX XXXX  ( {$420.00} ), ( {$1200.00} ) XXXX XXXXXXXX XXXX  ( {$730.00} )
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

In accordance with uniform commerical code section XXXX the right to dispute charges on my banking account. Upon return from Basic training with the US military, Id located charges on my banking account for XXXX wireless. The only phone provider I have is with XXXX wireless which is provided by my aunt and uncle so no payments should be coming out. Upone review I contacted PNC bank to inform them that my bank account had become compromised with sprint wireless charges. I wrote a statement attesting to the fact and mailed it to PNC. PNC has failed to open and assist with the disputes of the fraudlent charges. I did not consent to XXXX debiting my account, As protected consumer that is a natural person as defined in Title 15 US Code 1692 ( e ) ( 5 ). I am rescining any credit my credit card issued by the social secuirty administration has extended to PNC for failing to protect my banking account while I enlisted to serve this great country. I expect the fradulent charges to be revered to my checking account.
Consumer complaint received 2022-06-27
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: WELLS FARGO & COMPANY (CA)

My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with Wells Fargo is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Neon Newco Corporation (SC)

The past week I have received over a dozen envelopes from this company addressed to people that do not live at my address and have never lived at my address. I dont know how they got my address, but for them to use it in this way for people who do not live here, is fraud!

Ive attached a photo of the four envelopes that came today. But there have been more. Weve received mail from them every day for the past week!
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (LA)

I recieved a copy of my credit report and noticed inaccurate information on my report. EQUIFAX is reporting an duplicate account which also have inaccuracies and this is hurting my credit rating. Account XXXX in derogatory status with a balance reported XXXX and account number XXXX a open status with a reported balance of XXXX. How can this account be reported twice on my account as opened & derogatory? On XXXX XXXX  I mailed a letter requesting EQUIFAX to investigate these accounts and inaccuracies and their response was that the accounts were accurate and verified. On XX/XX/2022 I also requested the furnisher XXXX XXXX XXXX  to provide me with proof of debt, evidence to collect this debt and account history including collection activity. It has been over 30 days and I haven't gotten a response. On XX/XX/2022 I requested EQUIFAX to provide me with proof of debt and to reinvestigate and on XX/XX/2022 they responded that the debt was verified again and didn't provide any proof. EQUIFAX is in violation of SECTION 15 U.S. CODE 1681I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFOMATION. ALSO PURSUANT 15U.S.1681B ( A ) ( 2 ) FALIURE TO FUNRISH INFORMATION IN ACCORDING WITH WRITTEN INSTRUCTION TO WHOM IT RELATE. EQUIFAX IS ALSO IN VIOLATION TO SECTION 623 FOR DEFAMATION, WILLFUL INJURY. THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT!!!!
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

This Nelnet account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from XXXX XXXX XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Consumer complaint received 2022-06-27
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. (FL)

We have tried to redeem our XXXX points on numerous occasions. We have contacted the Credit Card Company and they keep giving us the wrong number. We believe at this time that this company is blatantly committing fraud and has no intention of allowing anyone to redeem points and honor what they have advertise when getting the card. Again, we have contacted Shop Your Way a dozen times and have tried to remedy this matter with no result whatsoever. They continue to pass us off to other people that always ends up as a wrong number. After many attempts to fix this, we felt we had no choice but to report this company to you to protect others from this fraudulent activity. 

Shop Your Way Citi Card phone number for Citi Card is XXXX that number gets you to the credit card no issue. The reward on the other hand is a completely different animal. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I sold some crypto currency for cash on coin base. They were having issues with transactions to XXXX XXXX, the issue has been resolved but still my funds are not available in XXXX and when I try contacting them they keep coming up with different excuses and closed my case!! I still haven't received my funds and can not get a straight answer from anyone or even any communication anymore.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX XXXX  opened at XXXX XXXX XXXX  {$3500.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2021-07-29
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. (MD)

Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.
Consumer complaint received 2021-05-17
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. (IL)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-17
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

On XX/XX/2021, I received an email notification from XXXX  XXXX XXXX, that they were reducing my credit line due to a new collection/debt account. I subsequently, received information from other bank accounts/credit accounts that my XXXX score had been reduced more than XXXX points. I was able to obtain the XXXX XXXX information, which is Credit Management ( CM ). I contacted them the same day, and learned that XXXX XXXX ( AE ), was utilizing them to collect a utility service account in XXXX, Texas, which was in arrears for 2 months for over {$700.00}. I informed CM that I have lived in XXXX XXXX XXXX, California, all my life and had never even been to XXXX, Texas. I had to provide the last four digits of my SS # to request that they open a fraud case ( I was provided a reference no. ) and a promise that they would investigate the issue. Lastly, CM provided AEs information. Consequently, I proceeded to report the issue. As a result, their agent, XXXX, provided the address of the utility service as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX, and asked for the last four of my SS # too verify my relationship to the account. During our conversation, confirmed the details I had received from CM about the issue, but XXXX  would not provide the account holders name. Their agent confirmed the debt amount and offered to investigate the issue. They provided a Case No. Both CM and XXXX  stated I should follow-up in two weeks, if I had not received a resolution. 
I had not received any information from either entity, by XX/XX/XXXX, so I reached out to both. I was told by CM that the debt had been paid in full. I asked why it was paid in full and by whom ( as it was not me ). I expressed my concern that it may still appear that I had been in arrears on the account, and simply paid it in full. So, now it would appear as a late account on my credit. As such, I requested documentation, that more simply stated the account was fraudulent and not associated with me in anyway. CM was not able to commit to my request but stated that I should receive a Withdrawn Letter. To date, I have not yet received such a letter. 
I also followed up with XXXX  to get additional information on how the debt/account was resolved. They were not able to provide any details, nor would they refer me to a supervisor/or manager for resolution. This was quite frustrating and upsetting. So, I tried reaching out to their corporate office, but was unable to find any information. I, however, was able to obtain information about filing a formal complaint with their Legal Department. 
As a side note, I am a retired Assistant Director for Customer Programs for the largest Municipal Utility in the USA XXXX XXXX XXXX Department of Water & Power. So, to be a victim of fraud for unpaid utility services is not only affecting my credit, but also just simply insulting.
Consumer complaint received 2021-05-17
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. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-17
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. (GA)

MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXXXXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, under 15 USC 1666 ( b ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which address the accurate reporting of credit information and the responsibilities of furnishers, the discrepancies in my credit report need to be addressed.

Despite my previous communications and requests for correction, neither bureau has responded to my dispute or updated my credit report to accurately reflect the status of the accounts in question. The incorrect reporting of late payments and the failure to classify accounts correctly as either open or closed is in clear violation of the FCRA.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.