davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: Affirm Holdings, Inc (KY)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : This account is not mine, and by you reporting it on my credit report without my consent is identity theft and you are obligated to delete this negative account from all credit reporting agencies no later than 4 days pursuant to FCRA 605B. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
Consumer complaint received 2024-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (NJ)

I contacted Synchrony Bank before XXXX to advise their employee that I had a CD ending in XXXX maturing XXXX and their employee repeated advise me that the promotional 9 month APY rate of 4.3 % would still be valid on my XXXX renewal date despite the end of their promotional date since I had provided renewal instructions before the end of the promotion! XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, I disputed the following item on my credit report. THIS IS A FALSE INCORRECT INFO REPORTED BY CREDIT COLLECTION AGENCY. I WAS NOTIFIED BY THE XXXX AT DEPT OF JUSTICE, XXXX ATTORNEYS OFFICE, THIS COLLECTION COMPANY OPERATES UNDER VARIOUS NAMES, CREDIT CONTROL SERVICES, ETC AND HAS NUMEROUS COMPLAINTS IN THEIR DATABASE. THIS IS A FRAUD COLLECTION COMPANY. I HAD AN ACCOUNT WITH XXXX, THE DATE OF COLLECTION IS TOTALLY INCORRECT. I MOVED OUT OF THIS SERVICE ADDRESS IN XXXX OF XXXX, COLLECTION AGENCY IS REPORTING, 1ST DELINQUENCY, XX/XX/2022, WHICH IS TOTALLY FALSE AND INCORRECT. I PAID XXXX XXXX IN FULL. PLS SEE ATTACHED LETTER FROM EXECUTIVE OFFICE OF XXXX, WHERE ITS CLEARLY STATED " UPON FULL PAYMENT, ALL CREDIT COLLECTION MARKS WILL BE REMOVED ''. EQUIFAX HAS BEEN REPORTING FALSE INFO ON MY CREDIT REPORT, THE FIRST DELINQUENCY DATE IS INCORRECT, BALANCE IS INCORRECT, I DISPUTED THIS ITEM 5 TIMES WITH EQUIFAX, STILL THEY HAVE NOT CORRECTED THIS COLLECTION ITEM. UPON DISPUTING THIS ITEM WITH EQUIFAX, THERE IS NO OPTION TO UPLOAD DOCUMENTS, I EVEN CALLED THE CUSTOMER SERVICE, AND SHE SAID IT WILL NOT UPLOAD DOCUMENTS, SO SHE TOOK THIS DISPUTE OVER THE PHONE. HOWEVER, TODAY I RECEIVED THE RESULTS OF THE DISPUTE ( SEE ATTACHED ) IS STILL WRONG AND ITS NOT REMOVED/DELETED PER ORIGINAL CREDITOR XXXX. PLEASE KINDLY HELP ME WITH THIS PROBLEM, THIS IS AFFECTING MY CREDIT SCORE AND I AM UNABLE TO GET HOUSING, CREDIT ETC. I AM ALSO WORKING WITH INVESTIGATORS AT DOJ. THANK YOU SO MUCH.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Every time when I log into the Equifax account, I receive a response of " Call customer care with the phone number given. '' This means that I do not have access to view the credit report or to very important data, or dispute invalid or incorrect data. Also, when the correct data is supplied, the correct data appears ignored. From the previous response, all pertinent data was submitted without any feedback to correct the lock on the file. Finally, after being able to talk to an agent, the agent validated my data. However, the agent could not figure out why a lock is placed on the account access given that the correct and valid data was provided. Thus, besides this complaint and Equifax internal complaint was also filed. Unfortunately, I could not receive a copy of the filed complaint because of security reasons. In addition, an XXXX at Equifax stated that I could not have account access because I reside out of the USA as many other US citizens. However, there is no problem with XXXX and XXXX. Also, I was able to access the account in early 2021 without any problems. Now after some security concern, I am unable to access the account regardless of valid username, password, or any valid data. There is a significant problem that resides within Equifax that disallows a person to access their file or account. Besides, Equifax does not have the decency to provide an apology for this great fiasco. I hope that someone besides CFPB can correct this problem.
Consumer complaint received 2022-10-08
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. (NV)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Unverified Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX. XXXX XXXXXXXX XXXX  Unverified Account XXXX. XXXX XXXX XXXX - XXXX XXXX Unverified Account
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-26
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)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

According to XXXX XXXX XXXX they had issued to PNC Bank a refund credit of {$740.00} on XX/XX/year>2024. And has reached out to PNC Bank on this matter and have gotten nothing but spin games.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

So for the past few months ive been self employed and i bank at truist financial they put a hold on everyone of my legitimate checks XXXX or under even when they know the check isnt possibly fraudulent due to the fact its from the same home builder everytime and the first excuse was because its a new account so after tge 90 days they kept using that excuse well one time i overdraft because i was waiting on a check to clear well that check cleared and i had a new check from a job i completed went into the bank and they said we are putting a hold on this check because youve over drawn in the past 6 months truist bank is using the check hold law over excessively all banks are it puts us consumers in a terrible situation i spend 3 weeks sometimes months on jobs finally get the job done get the buisness check just to be told i have to wait another 7-10 days on my hard earned money truist bank and many others need to be held accountable
Consumer complaint received 2022-10-07
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)

A credit card account showed up on equifax, XXXX, and XXXX  at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have posted late payments onto my consumer report in violation of 15 USC 1681 ( Exclusions from a consumer credit report ) I have attempted to get these incorrect items removed as they are causing damage to defamation of character as well as enablement of Identity Fraud. 

Please have the indication of lates deleted or removal of the entire account.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I applied to XXXX bank for a Home Equity Line of Credit on or around XX/XX/2022 ; however, the XXXX bank was unable to pull my credit report. The Error Code was J. I also tried to sign up to myequifax.com to get my free copy of credit report ; however, couldnt sign up since I got an Error Code NH. Beginning on or around XX/XX/2022, I have called Equifax Customer Care for about 20 times and a few times even with the XXXX Bank Manager also on call with me ; however, nothing was resolved. I sent an email to XXXX XXXX XXXX, CEO of Equifax on XX/XX/2022 and having received no response sent another email to XXXX XXXX on XX/XX/2022 but havent heard anything back from XXXX XXXX or his office yet. In response to an advice of customer care, I sent a copy of my Drivers License through USPS mail on XX/XX/2022. Subsequently, again in response to an advice by customer care, I sent a fax to Equifax on XX/XX/2022 and submitted copies of my Drivers License and W-2 with a request to resolve the issues related to the Error Code J that the lender encounters when trying to pull my credit report and the Error Code NH that I encounter trying to sign up for myequifax.com and requested to release the information to the creditors. There has been no progress or resolution till today. The Equifax doesnt even acknowledge the receipt of my fax.
Consumer complaint received 2024-09-09
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: WELLS FARGO & COMPANY (CA)

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$14000.00}, but am unable to get my money back due to Well Fargo Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Wells Fargo Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Wells Fargo Bank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Wells Fargo Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Wells Fargo Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and XXXX regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NC)

Received a letter that states, " Our records indicate that a previous credit card account that you held with Barclays Bank Deleware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' It has been beyond 10 years past my bankruptcy which is not supposed to be held against me. I have no idea when I had a Barclay 's Bank Card.

I think that this is unfair as I have worked very diligenty to repair my credit after my first divorce!
Consumer complaint received 2022-04-08
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. (NC)

I printed my consumer reports for XXXX, Equifax, and XXXX. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Consumer complaint received 2022-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XX/XX/XXXX when my bankruptcy was discharged AES basically XXXX out my account and listed on my credit as discharged. But what the did was transfer the balance to a new account as if I opened up a new student loan as if this was not the same student loans from XXXX.
Consumer complaint received 2024-10-24
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. (GA)

Unauthorized hard inquiries on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (GA)

On my report from equifax and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with XXXX XXXX, XXXX AND EQUIFAX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND XXXXXXXX XXXX WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX XXXX REMOVE IMMEDIETLY.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rock Creek Capital, LLC (LA)

Rock Creek Capital LLC has shown up in collections on my credit report. 

The collection is under the name XXXX XXXX. 

The company states I owe them {$11000.00} from XX/XX/2021, but this is completely FALSE! 

I dont owe this money, but they are now in the collections portion on all my credit reports. 

I want them deleted from my collections for posting a FALSE collection account with my name.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Chase denied my claim of XXXX and other claim it was clear as day it was fraud and the other dispute was XXXX those where clear as day too and they didnt do anything about it I will be taking them to court and I will be moving everything I use chase for if they dont make this XXXX right! This is super frustrating I use XXXX and XXXX XXXX and this has never happened to me!
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC (TX)

On XXXX XXXX they sent a text addressed to my significant other. requesting him to call P & B asap and provided file # XXXX. The text came from number XXXX towards the end of the message it says to Stop to Stop messages. So responded stop and stated to stop calling my or texting my number because he was not at this number. I received a response that stated I responded stop which blocks all text sent from this number. 

I received another text on XXXX XXXX from a different number XXXX from the same company. I did not respond to that text message because they should have gotten the hint from the first text sent back in XXXX. 

Then on XXXX XXXX received the same text msg but this time they did not put the business name as the others but placed the same file number again. Again I did not respond to it. 

Today I received a call from XXXX from a XXXX XXXX stated that the are in the process of filing a civil complaint through XXXX County that name me and XXXX as a co-defendant and they need to speak to me or my attorney and it asks me to refer to the same case number above XXXX. We were being named as co defedants in an up coming arbitration proceeding early next week.