davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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 2021-05-13
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. (CO)

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-11-08
Product: Credit reporting 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. (FL)

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc. (IL)

I have tried to reach out to Innovative Recovery since XXXX. I have mailed documents to settle the account in collections and they have all been returned to me marked vacant address ( see tracking info provided ). I have reached out to them by phone several times and have not received any response. I have disputed this account in collections with all three bureaus and it has been removed successfully from two of them. I have not been able to get it removed from XXXX   and I have not been able to reach Innovative Recovery so Im at a standstill and need this off of my credit. XXXX suggested that I file a complaint against the collection agency since they are not cooperating with me whatsoever.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I purchased {$510.00} worth of merchandise with my store credit card on XX/XX/XXXX, under a promotion where I pay no interest as long as the merchandise was paid off within 12 months. I made a {$40.00} payment on XX/XX/XXXX, and XX/XX/XXXX. I made another payment of {$45.00} on XX/XX/XXXX. On XX/XX/XXXX I made a {$100.00} payment. On XX/XX/XXXX I made a {$60.00} payment. Lastly, I made a payment of {$250.00} on XX/XX/XXXX totaling {$530.00}. I had tried to make the last payment on XX/XX/XXXX and XX/XX/XXXX, but the credit card company had canceled the payments. I have been in contact with this company FOUR times to dispute the charges on my account because my account states that I still owe {$230.00} and states I still owe {$190.00} towards the merchandise. The company states that I owe late fees with interest even though on the account it states that there is no minimum payment due since it's a " 12 months no interest promotion ''. I had even been charged late payment fees on the payment they canceled.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (MI)

I've been banking with Current for a few years now. I hadn't really had much of an issue UNTIL this year. I used my Current Credit Card for renting vehicle. The rental company overcharged me. This resulted in my account being overdrafted. I contacted the rental company and the refunded me a total of {$740.00} in 2 different transactions ( {$550.00} and {$190.00} ). The refund was never reflected on my account even thought it was refunded in XXXX. As of XX/XX/XXXX, my account was still overdrafted {$400.00}. If the refunds had been processed on my account there no way I would still have a negative balance. The final transaction from the rental company, I filed a dispute thru Current, which was in regards to being charged {$1500.00}. When the final bill after the rental company fixed there mistake amounted in {$370.00}. So, I recently receive correspondence that I won my dispute and should be issued ( which shows as a deposit ) of {$1100.00}. However. Despite not using my card since XXXX ( waiting for the refund to be credited to my account ) my balance is only {$760.00} with no other transactions since. Where did my money go?! Now my account is locked/restricted and I've been getting the run around about having to wait for some fraud department that only responds via email to contact me. Meanwhile I have no access to my money and everyone is very nonchalant about it. No matter how many times you call or email they give you the same responses. To wait for an email from mysterious department that may or may not eventually respond to you. I've sent numerous follow-up request and been promised responses within 24-48 and have yet to get any info as to why it was locked or what supposed fraud they attempted to block. 

UPDATE : It's been 2 weeks and the agents I co tinie to deal with either have no idea how to address the issue or they pass it off to someone else. Everyone keeps repeating the mantra that the " Fraud Resolution Team '' works back office and that my concern has been escalated and I should receive a response in 2-3 business days.
Consumer complaint received 2024-08-22
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)

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 2019-03-25
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. (GA)

EQUIFAX AND XXXX  is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.
Consumer complaint received 2019-12-18
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. (GA)

At the end of XXXX, I filed an affidavit and a police report to have some items removed. I received a completed investigation letter by mail. It stated that on XX/XX/XXXX that the disputed items have been removed, which stated that the items were not currently reporting on my credit report, but when I updated my credit report, the items are still reporting on my current report. Equifax is violating the Fair Credit Reporting Act because this company is still reporting fraudulent items on my credit report. I have contacted my attorney and my next steps includes filing a lawsuit with the court. Please correct this matter immediately.
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2019 my PayPal account was charged XXXX Euros for a friends and family payment that I did not authorize. The amount after fees was XXXX euros. I opened up a problem ticket to report the fraud. The case number was XXXX. They closed the ticket as being not covered under their Purchase Protection Plan, as it was not a purchase.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Today, XX/XX/2020, I received a USbank reliacard. I am not a USbank customer. I have not applied for unemployment. This looks like fraud. I have tried reporting to USbank by phone. ( At XXXX XXXX  mst, I spoke with a USbank employee, XXXX. She was unable to help & transferred me to an unanswered phone. I then called the USbank fraud line and at XXXX spoke to XXXX, who was also unable to help. 
I can not account for receiving this card & can not get any answers from XXXX. I am XXXX  & have NOT applied for unemployment. Please help me resolve this.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XX/XX/2020 - Wrote check for {$1200.00} to Citibank/Citicards for payment of bill XX/XX/2020 - Citbank/Citicards withdrew {$12000.00} from my checking account XX/XX/2020 - I called Citibank/Citicards to request return of {$11000.00} stolen from checking account. Citibank/Citicards stated that funds would be returned by XX/XX/2020 XX/XX/2020 - Stolen funds have not been returned XX/XX/2020 - I called Citibank/Citicards requesting immediate return of stolen funds. Citibank/Citicards acknowledged failure to return stolen funds. 
XX/XX/2020 - Stolen funds have not been returned
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-08
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. (MA)

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  Personal Information to Correct : - **Incorrect Date of Birth : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Please list inquiries you would like removed ]
Consumer complaint received 2018-06-25
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX we all know recently closed I had just gotten a credit card within 2 months of them closing had no idea they were closing they reporting it as a closed account and it's being reported on my credit I did not close the account they did because they went to bankruptcy the company said that their standard policy when they file bankruptcy I worked hard to get my credit good and I don't want a bankrupt company to mess it up
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

Myself along with my Title Attorney have been attempting to receive a payoff quote for my mortgage currently serviced by LoanCare. I  submitted my initial request on XX/XX/2020 providing both a mailing address along with a fax number. After no communication from LoanCare for almost two weeks I submitted another payoff request on XX/XX/2020 again with a mailing address and fax number. Still zero communication from LoanCare. I have also attempted to reach them by email at XXXX on XX/XX/2020 I have attempted to reach them by phone as well. Unfortunately they have a fully automated system. The only way I can speak with a live person is if I act like i want to refinance my home. When I explain my situation to them I once again get forwarded to the automated line. 

Not receiving the payoff quote is costing me interest daily along with the additional money for the tax credit I will owe the buyer of my home.
Consumer complaint received 2020-02-15
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: EQUIFAX, INC. (NY)

Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.
Consumer complaint received 2018-09-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

Upon inquiry into my credit report I noticed that XXXX XXXX credit card reported a late payment in XX/XX/2018. I disputed this error with both Experian and XXXX XXXX. Experian made the dispute and contacted XXXX XXXX, XXXX XXXX would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to XXXX XXXX, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
Consumer complaint received 2020-02-15
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)

On XX/XX/XXXX I got an alert from one the Credit Bureaus Equifax that my credit Utilization went from 12 % to 18 %. From my previous. XXXX monthly statement my balance was XXXX. I didn't have a balance or owe any fees. I immediately called the Company and asked " Why did they report that my balance increased, when they don't report until XX/XX/XXXX of this month. The representative ensured me that my balance was XXXX. The amount for {$48.00} increased my utilization and caused my score to drop 10 points on Equifax. My correct balance on XXXX XXXX was {$24.00} The representative from XXXX XXXX told me to call Equifax. I called Equifax and spoke with a supervisor XXXX. He said that XXXX XXXX had updated to the Bureau through electronic. I explained that I was looking at my correct account as we were talking on the phone and that the last report from XX/XX/2020 showed a balance of {$48.00} dollars and that a comparison with XXXX   showed a XXXX  balance from XX/XX/2020. I explained that this was a violation of my FCRA and it should be removed. They refused to remove it. I had also explained that the reporting date was incorrect as well that the company reported on the XXXX of XXXX of the previous month was also the same issue before that I was calling about now. 

I called back to XXXX XXXX XXXX  and asked to speak with a Supervisor. I spoke with a supervisor XXXX  and he reviewed my account and he clearly said that my balance was XXXX  and that they only report once a month. I asked him to explain how Equifax received this information if it wasn't reported. I explained that this was illegal and violated my rights as a consumer. He said that the only feasible thing to do was contact the correspondence via fax and that an investigation would take about 5 days and that was to department that correspond with the bureau 's. I explained meanwhile my credit would remain unchanged and that it would be passed the new reporting month. 

I have all records of the complaint that I'm filing. This is costing me valuable time and money to dispute with the bureau 's and companies not reporting accurate information.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I have disputed this debt with this company ( Enchanced Recovery Company ) several times. It has been taken off over and over and placed back on my credit report. This company claims that I opened an account on XX/XX/2018, with XXXX. I do not have any accounts with XXXX. I did not open an account with XXXX. Please take this off my credit report. Thank You