davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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)

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong XXXX  shows a balance of {$4800.00} XXXX  shows {$0.00} and equifax shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus
Consumer complaint received 2022-09-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-06
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (MS)

XXXX XXXX XXXX-located at XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX I am asking for help with having XXXX XXXX XXXX check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. The malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX-located at XXXX XXXX XXXX, XXXX XXXX, MS XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, on several different occasions the gear shift in my car has gotten stuck in park. The check engine waring has also come on serval times. This failure has caused me to be stranded in the parking lots of stores and once about 20 miles from home, late at night. I am almost afraid to drive the car. 
I called and reported this problem to XXXX XXXX XXXX, and I was given an appointment to bring the car in for inspection. On XX/XX/XXXX, I was told by a service advisor ( XXXX ) that I would have to pay {$100.00} just to have them perform a diagnostic test to determine if there was a problem and if there was, I would have to pay anther {$100.00} plus any other costs if the warranty did not cover the issue. I was told I would have to pay the total costs of any services before I could get my car back. 
I have not been able to work since XX/XX/XXXX and I can not afford pay any amount of money. I was forced to take my car back home and as soon as I left the lot, the check engine light came back on. 
I understand my financial problems are not Fords problem and I am not asking for a handout, only to have this company check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. This malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
I purchased this pre-certified vehicle from XXXX XXXX XXXX in good faith and because I was told it was in its best condition and Ford had maintained the best upkeep on it. 
On today, XX/XX/XXXX, while driving the car, the AC/Heat power button repeatedly turn itself back on, even I pressed the button to shut it off, it automatically came back on. This occurred about 7-10 times before it finally stayed off. 
I did purchase the Extended Service Plan Warranty for {$1900.00} upon buying the vehicle.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

My account has an {$8000.00} balance, in XXXX unbeknownst to me I exceeded my credit limit. I have to Citibank cards and one has texts alerts on it but the AA card did not. Citibank allowed another {$1600.00} to charged to my account even though I exceeded my credit limit. I thought credit limits stopped you from charging more purchases. Isnt that why its called a credit limit? You are limited to that amount of $ $ to spend. According to Citibank that is just their threshold of when you are then required to pay 100 % of the overcharges as your minimum due. The XX/XX/XXXX statement reflected XXXX + 1 % of total amount... .yet on XX/XX/XXXX my balance was {$2000.00} until I made a payment of {$9900.00}, which reduced my balance to {$60.00}. Over the next 3 weeks I charged {$1800.00}. My monthly autopay is set up to pay the minimum due, yet my bank account was charged {$1800.00}, which my bank denied due to NSF and now I have a NSF fee from the bank and in 30mins of talking on the phone and another hour on webchat with Citibank they will not reverse the payment and tell me its my fault because I went over my limit in XXXX and THEY kept allowing me to charge another {$2000.00} - that's 25 % of my total credit line. This is UNFAIR, DECEPTIVE, and ABUSIVE practices.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 I sent by certified mail, a notarized affidavit to CITIBANK ( Citi ), requesting a verification of debt. The tracking number is XXXX as of XX/XX/2022 this tracking number shows still in transit and the last date of movement per USPS tracking was XX/XX/2022 and displays will arrive late ( Screenshot will be provided below ). Even though it appears that this certified mail is still in transit, somehow I receive a response from CITIBANK ( Citi ) dated XX/XX/2022. This is extremely odd since I requested a return receipt and there is no record of anyone signing for this correspondence. In this letter dated XX/XX/2022, my verification request is completely ignored ; nothing I requested is provided and the letter is not signed, but a typed name ( possibly computer generated ) is provided as XXXX XXXX-Vice President-Citibank, N.A. I don't know what kind of possibly fraudulent activity is involved in order to receive a correspondence and not sign for it, so that there is no record of anyone signing for it. I paid for a return receipt and have been bilked out of this due to what appears to be dubious activity on the of CITIBANK ( Citi ) representatives. On a separate and possibly unrelated issue because it may be spam, I have also received strange spam text messages in the past few months that claim to be from CITIBANK ( Citi ) about suspicious activity, verify your identity, withholding card services etc ... ( will provide screenshots below ).
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Hello, in the month of XX/XX/XXXX I went into a bank of America Branch at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a XXXX inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the specialist re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my XXXX file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the XXXX XXXX department, and they told me I'd need to dispute the information with XXXX and it will then come off.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (KS)

I saw a Collection on my credit report from Vance and Huffman , LLC. Original bill come from XXXX XXXX XXXX. Bill is {$740.00}. I do not recognize the bill. I have detested it on my credit report. I do remember though several years ago I bought a ring at XXXX. I believe XXXX was the name of a leasing company buying the ring. I returned the ring right after I bought it. XXXX kept calling me constantly to pay them. I told them the ring was returned. This was several years ago. Probably about 7 years ago and just now on my credit report. Since I did not use their services and returned the ring and it have been so long ago I need this collection off of my credit report.
Consumer complaint received 2024-11-25
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

In accordance with Fair Credit Reporting Act this creditor has violated my rights Under 15 USC 1681 sec 602 : states I have the right to privacy. 

Under 15 USC 1681 sec 604 sec 2 : states the consumer reporting agency can not furnish any information without my consent. 

Under 15 USC 1666b : states a creditor may not treat a payment on an account plan as late for any purpose.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

I closed my account with chime before hand I was unable to withdraw money from my account I closed the according account almost a month ago the remaining funds were suppose to be sent in check form to the address on file they haven't been sent. I called a few times followed the prompts and eventually spoke to someone still they were unable to find my account so there wasn't a resolution. Money was also taken out of my account without my permission however that's another issue for a later time
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In XXXX after checking my credit report I noticed that several files were not mine. Experian was reporting XXXX, XXXX, and XXXX XXXX. None of these accounts belonged to me. I disputed with Experian. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). The companies agreed to request removal of the items with the latest coming in XXXX. I contacted Experian several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a complain to Bank of America on XX/XX/XXXX they failed to chargeback the merchant I present police report I requested documents and they sent me some documents saying they verify my information which is not true my business debit card is in my business name and address its not the same bank America its failing to investigate because of this paperwork which is only copies of transactions where is the proof I provided them my info a signature my bank statements they say they verify my account is not true this is a scam I file a police report and identity theft because my identity got stolen and instead of helping me and charging back this scammers they failed too chargeback until XXXX XXXX a month after the fact and worst info cant match at all first because thats fraudulent info!!! My adress is not that and my debit card is in business name and different adress red flag everywhere they can recognize they make a mistake!!! Two claims are open am no resolution because they side with scammers where is the info matching for my business where is the papers they say I provided to authorize this transactions!!!
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I was part of a free credit protection monitoring through Experian ; due to fraud that I experienced. 
On XX/XX/XXXX they automatically withdrew {$27.00} from my checking account. I tried to email and go online to cancel. I tried calling with hours long wait times. 
Again I was charged XX/XX/XXXX for {$27.00}. I called and called. I have been hung up on each time I attempted to cancel. 
I can not conceive why a credit reporting would re victimize consumers who were already been through the ringer. 
Please ADVISE AS TO HOW I CAN ATOP THIS.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I fell behind in my mortgage payments in XXXX and when I got back on my feet, I applied for a mortgage modification. I sent in an application, bank statements and pay stubs. I then called to see if everything was in. I was told I needed a Verification of Employment. I asked if they could send me a form. They said they could not. I looked for a Verification of Employment form online and found one from XXXX XXXX I had my employer fill it out and send it in. I then called today, XX/XX/XXXX, and was told that the form was not accepted and that the file was noted on XX/XX/XXXX. I sent the form in XXXX. I then asked if they sent out a letter explaining what exactly they need and if they included a form. I was told that no letter was sent, no call was made, no form was sent and all that was sent was a letter telling me to apply for loss mitigation - while there is an open loss mitigation review with missing documents. I feel like waiting 3 weeks while my bank statements and pay stubs are expiring is unacceptable. I feel like I am not getting a fair review, or SPS is not handling my file correctly. I believe I should receive a single point of contact who should be overseeing this file. I am in foreclosure and fear losing my home and my lender is making me feel like they are not honestly reviewing my file.