davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which provides for the blocking of information resulting from identity theft. As a victim of identity theft, I am requesting the removal of all negative information on my credit report that is the result of this criminal activity. The following accounts and associated negative information have been fraudulently reported and are directly linked to the identity theft I have experienced. 
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
Consumer complaint received 2023-07-19
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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, NJ XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XXXX : XX/XX/XXXX XXXX XXXX  XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I was reviewing my monthly bill from XXXX XXXX and noticed transactions I did not make or authorized. I had a card in my possession. According to XXXX XXXX investigation the orders were placed online and picked at the store. So far, XXXX XXXX did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. XXXX XXXX released goods without any ID verification as I never lost my California DL. I consider that XXXX XXXX XXXX failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by XXXXXXXX XXXX. Last investigation was completed by XXXX XXXX on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (PA)

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 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 2021-12-07
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. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2023-07-19
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: SANTANDER HOLDINGS USA, INC. (OK)

New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # XXXX
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (HI)

Opened a best buy store card with Citi bank. Was able to use it after getting it but returned items i purchased using card. I wanted to verify funds was returned to card and tried to access this information online. Kept getting error message and called company who told me i had to verify account with letter they sent to my address. After informing them i never received any such letter they said they would resend it. After waiting a few weeks and still not receiving letter, I called in again and was told they couldn't do anything with out verification letter and they will have to send again, I asked to speak to supervisor as two failed attempts at getting letter i should be able to get proof they sent letter. They said they couldn't give me any tracking info and I asked to close account. They told me they couldn't until I get letter that they can prove they sent. I then asked to speak to supervisor again as i should be able to close account they proceeded to hang up phone. When i call back now system sends me back to same department and when call connects they hang up the phone. I just want to close my account as this is shady. Company has disconnected my call every time i call in now so if I do ever receive this supposed letter i have no way of verifying as company blocked my number
Consumer complaint received 2023-07-19
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-14
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: MarineMax East, Inc. (IN)

i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert XXXX  days later that there were XXXX new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.
Consumer complaint received 2023-07-19
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NJ)

Att : AR Resource Inc Dear Sir/Madam, I am writing in response to your attempts to collect a purported debt from me, which I dispute in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws, I request that you cease all communication regarding this alleged debt, including calls, mail, email, and text messages, as per the following laws : 12 CFR 1006.34 ( b ) ( 5 ) - Prohibiting harassment or abuse in debt collection, including communication at inconvenient times or places, and causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Prohibiting false, deceptive, or misleading representations or means in connection with the collection of any debt, including the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

12 CFR 1006.34 ( d ) - Prohibiting the communication of credit information before verifying the consumer 's identity and confirming the consumer 's request for the information. 

15 USC 1681s - The Fair Credit Reporting Act ( FCRA ), which requires that any information reported to credit bureaus must be accurate and verifiable. 

Furthermore, I request that you provide the following documentation : Validation of the alleged debt, including the amount owed and proof of the original creditor. 

The purchase agreement between AR Resource Inc. and the original creditor, demonstrating your authority to collect on this debt. 

Proof of your licensure and bonding as a debt collection agency, as required by law. 

Please be advised that failure to comply with these requests may result in legal action. All further communication regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-07
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: WELLS FARGO & COMPANY (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inadequate customer service and lack of problem resolution at Wells Fargo. Recently, I encountered significant issues with their customer service representatives, who not only provided poor service but also failed to address my concerns adequately. 

Despite multiple attempts to reach a solution, my requests have been ignored or mishandled, leaving my issue unresolved and causing considerable inconvenience. I believe this level of service is unacceptable for a bank of Wells Fargo 's size and reputation. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure that Wells Fargo improves its customer service practices and provides adequate support to its clients. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (IA)

XX/XX/2021, Sunlight financial has you sign into docu sign to answer personal questions to access your loan or any information you have with them concerning our solar project that hasn't been finished in almost Three years.When you sign in you only have to use the last four of your ss # and answer the personal question, you can answer all the questions falsely and it still opens up all your personal information.So all someone has to do is have access to the link and they can steal all my identity information and ruin my credit etc.Sunlight and XXXX XXXX bait and switch customers into their solar systems and in the end the consumer is taken.Then they add another loan company XXXX XXXX XXXX none of these companies follow through with the contracts.I have alot more information if needed because I don't know what you can all help with.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FISERV INC. (AL)

My name is XXXX XXXX I am the XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX attempting to join a XXXX XXXX XXXX platform that only uses " Clover '' " Card Connect '' " First Data XXXX XXXX " these are all subsidiary of " First Data XXXX XXXX ''. I applied for access to the merchant card services over 5 times between XXXX XXXX XXXX My business was denied every time. I asked each bank representative why I am being denied. They all told me that First Data XXXX XXXX denies every application. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote a letter and mailed it Via XXXX tracking on XX/XX/XXXX. The letter was received by XXXX XXXX ''. I have yet to receive a response as of XXXX
Consumer complaint received 2023-07-19
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. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 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 ( Original Creditor XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NV)

Resurgent, a debt collection company on behalf of LVNV Funding on behalf of XXXX XXXX, as of today XX/XX/23, is threatening to turn my account over to an attorney to sue me. Although the debt isn't 'very old " I didn't have another option to select for threats. I know that I owe the {$1200.00} for the XXXX  XXXX credit card I had a few years back, so I am not disputing that information, however as a consumer I do know my rights and I do know what is considered illegal practices by a debt collection company and threatening to hire an attorney to sue is illegal. So, with that being said I am reporting this company to the CFPB for review. Additionally, they have only reached out via e-mail, I have yet to receive any paper documentation or phone calls from the company. If they have my email, they have my address and my phone number, I have had the same information for over 10 years.
Consumer complaint received 2023-07-20
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. (MI)

I have my student loans serviced through XXXX from a consolidation in XX/XX/XXXX. In XX/XX/XXXXXXXX  I started receiving alerts from all three credit bureaus regarding my credit score plummeting and a high debt ratio. Upon checking all three bureaus it was revealed that XXXX had reported my {$69000.00} account twice. I have only one account with XXXX. I put disputes in to the bureaus and notified XXXX. By mid XXXX I called XXXX again and was informed by the Resolutions Department that matter would be handled at the end of the month around XX/XX/XXXX stating the one account would be " taken off " or put as " paid in full '' because that is when they report to the credit bureaus. I waited until XX/XX/XXXX and checked with nothing changing on my reports I contacted XXXX again. The Resolution Department Representative looked into the matter and explained that they only had XXXX account, but when I told the rep that the accounts had different numbers with the same balances she looked again. She then said that one of the accounts was the initial consolidation loan and it should report as {$0.00}. I told her it says that, but it says '' paid as agree '' making an open account. The rep placed me on hold and then returned stating that everything is good on their end and to check with the credit bureaus on Monday. I kept my composure on the matter that is completely unacceptable although I am completely upset. 
XXXX refuses to contact the credit bureaus and rectify the matter correcting their reporting error. Pure laziness. XXXX seems to be racking up loans to collect interest for XXXX reinstatement since the Department of Education suggest to that many borrowers refinance to qualify for forgiveness in XXXX. They are greedy and will ruin your credit in order to keep ghost accounts to have active accounts to collect interest in XXXX. Consolidating with them has been the worst decision I have ever made. XXXX is terrible and will damage your credit never correcting the wrong they have done. Borrowers beware.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.