davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XXXX XXXX XXXX XXXX sent me a deletion letter to my email. It was a copy of the same letter that they sent over to the 3 credit bureaus. The account was from ( XXXX ) {$110.00} negative collection account that wasn't mine. I settled this with XXXX and they agreed to have the account removed from my credit report. XXXX, XXXX  and Equifax deleted it. Now, this year ( XX/XX/XXXX ) my credit file with XXXX  was completely deleted and could not be seen. I called in on ( XXXX XXXX ) and spoke with a representative and I was told I had more than one file. They merged the files and my credit report was fixed so, I thought. Upon pulling my file, all of a sudden I noticed previously deleted information resurfaced on my credit report. So, I called back to XXXX  and discussed it with another representative since, I could not speak back with the previous one. I was told that the accounts were reported on my file and that they only put on my file what is reported. I called XXXX XXXX back and, was told that they had not reported any account on my credit report. They had deleted that old account from their system 11 months ago. Basically, XXXX  took the deleted files and placed them in a separate file instead of deleting them permanently. Thereby, creating multiple files that later mess up the system and delete the credit reports down the line. They then, take the previously deleted files and merge them again with the accurate credit file. Causing you the consumer to continue to go through unnecessary dispute challenges over and over. The list of previously deleted unverified Fraudulent accounts are as follows : 1 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4300.00} 2 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} 3 ) XXXX  XXXX  Reported : XXXX. XXXX, XXXX {$4300.00} 4 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$610.00} Here are the inquiries on my XXXX  report, that magically appeared on my report after they merged their files. I never applied to any of these places. 

-XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-12-27
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. (GA)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog urine and feces on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-01-24
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un der 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 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 reason able cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (IL)

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. XXXX sold to XXXXXXXX XXXX XXXX for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An ATT account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on XXXX XXXX. I can not afford these phones that are XXXX of dollars. I live in a XXXX XXXX. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. AT & T is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (PA)

This pertains to my Valley National Bank Visa credit card. 
On XX/XX/2020, I paid my bill, in full, through their electronic portal ( the amount of the payment was {$5400.00} ). On XX/XX/2020, a second amount was taken from my checking account in the amount of {$5400.00}. I did not approve the second amount and asked them to return it to my account immediately. 
As of today, XX/XX/2020, they have not refunded my money despite almost daily calls to their representatives ( including their fraud department ). The excuses and rationales have varied from person-to-person, but I have gotten assurance that it is " on it's way ''. I no longer want to wait for my money : They have drained my account and caused by an overdraw to my checking account. I have bills due at the end of the month that will require the money to be returned. 
here is a link to their website : https : //www.valley.com/customer-service
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2020 ( today ) I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. They didnt tell me I would have to pay all interest acquired on the total amount and my minimum payment when I was no longer receiving assistance, and I dont always have to pay all acquired interest per month so Im confused why this is happening. When I called in they just told me that it was my minimum payment and the interest on the total amount due. The only thing that they offered me was more time in the assistance program, but I did not want to come back and have to owe {$440.00} next time or something like that. And my two monthly payments which is {$66.00} each that I had missed comes to a total of {$130.00}, so I dont understand why this is happening ... ( I wan na add I knew that interest would continue to be added on the total amount, I just didnt know Id have to pay it all back when I came back. I dont have to pay all of my interest every month so Im confused why I have to pay two months worth when I needed assistance ) I attached my current bill for {$220.00} which is due on XX/XX/XXXX, and Im attaching a screenshot showing my previous payments to them. Now I pay my minimum payment and I try to pay extra whenever I can even if its {$14.00} or {$20.00} extra per month I try to pay off as much as I can. But youll see I didnt have to pay a huge {$220.00} every month youll see a consistent {$68.00} or {$66.00}. 
It was suggested to come here and file a complaint, so Ive never done this before I apologize if this is too much or too little. Thank you
Consumer complaint received 2020-07-16
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$79.00} XXXX AR XXXX {$110.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX AR XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-01-12
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. (MO)

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2021 i requested Synchrony Bank remove late payments that were reporting on my consumer report. That responded that they reviewed my account and verified the payment history was reporting accurately ; stating the late payments were verified. 

Pursuant to 15 usc 1666b ( a ) 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. 

Pursuant to 15 usc 1692a ( 5 ) " debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

As a consumer, I am not obligated to pay any alleged debt. 

Pursuant to 18 usc 8, all obligation is that of the United States. a The individual action Synchrony Bank performed does not comply with any of the laws that i listed above.
Consumer complaint received 2021-01-12
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: DISCOVER BANK (CA)

I am a victim of Identity. An individual opened a credit card account with Discover card using my name and social security number on XXXX of 2020. 

I filed an Identity Theft Report ( Report Number XXXX on XX/XX/2020 ) with the Federal Trade Commission. 

I have sent various letters to Discover Card XXXX XXXX, XX/XX/2020, XX/XX/2020 XXXX and have made various calls XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020 ) In the above communications I have asked Discover for copies of the fraudulent application submitted by thief and various documents and records maintained by them at various times. To date they have refused to comply.
Consumer complaint received 2024-01-07
Product: Credit 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: DISCOVER BANK (MD)

I initiated a balance transfer in the amount of {$3000.00} on XX/XX/2023 on my Discover account. The purpose was to pay off the remaining balance of {$3000.00} on my XXXX account. I called XXXX  companies today and no one can explain where the money is, but, Discover has posted the charge to my discover account. Now I have had to initiate another balance transfer with the funds going to my checking account so that I can pay off the XXXX balance before the promotional period runs out. So now I'm being charged another finance fee and I was told that the initial balance transfer could not be cancelled even though they do not know where the funds are.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same. 


I am still having issues in receiving my credit report due to the ( Multiple Matches Found check demographics Information. 

Their is a lot of errors on my credit report that needs to be remove ( XXXX is not my last name, my social security number does not have XXXX four the last four digits, wrong phone number and still have not seen the correct update. I do not have a spouse and my address need to update right on my credit report. 

I appreciate your services and hard work that you do for the consumer. Have a great day : (?
Consumer complaint received 2021-01-12
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. (SC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, I tried to access my Citibank account through making a withdrawal at an ATM. The process was denied by Citibank at their ATM. I tried at a different ATM and again found my accounts locked. 

I investigated on the Citibank website and found no information about my account being locked. I also saw no evidence of any unusual or fraudulent activity on my account. I had received no notifications about suspect activity, no fraud alerts, and no requests for any additional information or explanation about account activity by Citibank. The first time I learned of the problem was when I was not able to access my accounts. 

I called Citibank and was told that my accounts were locked and I could not access my checking or savings accounts. I spoke with " XXXX '' who refused to provide his last name, but he offered that his Citibank ID was " XXXX ''. XXXX told me that the department that had my account locked was Deposit Fraud and that they were closed. I was told that I would have to call back the following Monday to remove the lock. 

XXXX and the Citibank personnel I spoke to refused to unlock my account and to free my funds. They refused to tell me why my funds were locked. They refused to say how long they had been locked. 

I was locked out of my accounts without explanation and without opportunity to correct the issue.