davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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: CITIBANK, N.A. (VA)

On XXXX XXXX I thought I called XXXX XXXX to ask why they changed our seats, my husband and me, to fly home. First I stayed to long waiting on line so I tried later by calling a number I found on my cell phone. When I told my questions that non XXXX XXXX which I did not know then ) they pretended that it was because I had not paid taxes and/or fees on our tickets and they could not promise to keep our seats. I. argued a lot but wanting to be sure to fly back home I paid the {$200.00} they wanted, thinking I would fix that problem with the airline when home. But that fraudulent company send me sighing to sign in a text, so naively I did. When I called XXXX XXXX back at home, they told me that I never had to pay them anything and it was not their number. So I called CITI to close my card and explain the reason. The CITI agent did not write it the way I told her, just that I did not authorized the charge. After waiting for an answer many weeks, I was told thay I would be contactetoexplain my case, they did not do it.I called again, asking for the frauddepartment, and amantook my story again. Still they charged me the {$200.00} and saying it was because I changed my story. I did not, ghe first agent just reported it wrong. It is very easy to verify if Citi was doing their job.The fraudulent company sent a email saying that they did the changes I wanted, but their names as a car rental in XXXX XXXX, where I never went and rented a car. I asked CITI t show to them a rental agreement, or what the to verifyt he fees sent to XXXX XXXX, or why the phone number on that email is not theirs, or why they also memtion XXXX registration as a false heading. The fraudulent company triedtw
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

After having to review my bank statements and my employment security department income earnings for XXXX and XXXX possibly even at earlier years. so far I have noticed that my income earnings for those years do not match my bank statement deposits in XXXX I made XXXX in earnings and my bank statement only show XXXX $ deposited and in XXXX I made XXXX but bank only shows XXXX $ deposited I'm wondering what happened to the rest of the money and why the bank did not notify me if there were any fraudulent transactions or why there's not even any suspicious activity reports under my account if there was red flags only someone working for the bank could have hidden this activity and keept me from finding out and my deposits make little sense I believe someone had been altering my statements and had taken funds from my bank account I also noticed a bunch of transactions that were not my own that were not corrected when I brought them to the banks attention and reported my ATM card stolen or that the bank supplied someone else with another card. To my knowlege I should have up to 6 deposits in checks and direct deposits every month but I have unexplained mixed up deposits of counter credit witch to my knowlege after googling it means cash deposits wich looks to me like someone hid the rest of my money one way or another and keept it from me I just found this out and would like to resolve this problem since bank of America was the only bank I had banked with and keept my money in to find out they weren't even responsible with my funds and even closed my account yearst later.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NJ)

This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
Consumer complaint received 2023-11-29
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. (FL)

In accordance with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 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
Consumer complaint received 2023-11-28
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. (NJ)

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 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX XXXX XXXX Account # XXXX... .. Account name XXXX XXXX XXXX 
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 an account without my written instructions..

15 u.s.c. 1681 C ( 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 1681 S-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$260.00}
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with my student loan account. Currently enrolled in the Save plan, I was surprised to discover that I had been automatically signed up for deferment without my knowledge or consent. Despite being on the Save plan with a zero payment, I noticed that interest is accruing daily on my total loan amount. This situation is perplexing to me, as my understanding is that the Save plan should waive it once the scheduled payment is done. I urgently seek clarification on this matter, as the interest on my account has been steadily increasing. I previously called and spoke to Mohela staff, but unfortunately, their responses were contradictory. One representative mentioned that the increased interest is due to existing interest and that that is only happening on that, citing a figure of {$360.00}, while another suggested it was because of deferment, which I explicitly did not request. I requested to remove that, and she said it would be 5 to 7 days, but the other person said 30 to 45 days. I find it alarming that the interest has risen from XXXX to XXXX in just one month, a rate that seems implausible even with a 10 percent interest rate ( my interest rate is 5.05 % ). I am concerned and would like to request an explanation for this discrepancy. Furthermore, despite my attempts to address this issue through phone calls again, I have been unsuccessful in reaching Mohela customer service. After being on hold for an hour, I was unable to connect with a representative. I request their prompt attention to this matter, an explanation for the unexpected deferment, and clarification on the daily interest accrual. I would also like to be answered in written format, as the customer service staff gave me misinformation. Additionally, I would appreciate your assistance in waiving the accrued interest, as I did not request nor authorize the deferment. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and resolution. Sincerely, XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BMO Bank, N.A. (IN)

XX/XX/ initiated a transfer from BMO XXXX  Online Banking in the amount of XXXX XXXX to an external account. Website says the transfer will take 1 business day for approval. Called XX/XX/ to follow up as I did not get any confirmation or rejection email nor did it show up as a pending transaction on my online savings account page. Their website shows it may take 2-3 business days total but they did see a pending transaction on their end to underwriting. Fast forward to XXXX  called back yet again to find out what was going on with the transfer and the rep said they didn't see any pending transfers, thus concluding they either rejected it or it was never processed correctly. Reinitiated a new transfer and told to wait 24 hours to check pending status.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.
Consumer complaint received 2023-11-27
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 have recently came across a copy of my consumer report and have noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block anything as a result of Identity Theft. Fraudulent account ( XXXXXXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXXXXXX XXXX date of XXXX XXXX XX/XX/2022 )
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (IN)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Two issues. 

1. Unknown address listed under my previous addresses : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ive never lived in VA. Do not know whose address this belongs to. Please remove from my report. 

2. Report is still showing XXXX XXXX as my current employer, however I have been at XXXX XXXX  XXXX, XXXX since 2014. Please correct. 

I have attached screenshots of the issues on my report. 

Thanks, XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Dear, XXXX XXXX this is my XXXX attempt to you concerning a late payment that is not being reported to my credit report correctly there will not be a XXXX letter to this company regarding the late payment.Late payments are illegal according to 15 u.s.c 6802 ( b ) Opt out A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was given none of this i still have yet to receive a bill in the mail which i have asked for several times from this company despite affidavits being sent to this company gone unanswered.You are now willfully and knowingly continuing to report inaccurate information on my credit report which is a crime according to 15 u.s.c. 1681q obtaining information under false pretenses -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

I demand that you supply the name of the person responding to this letter and also the name of the person that is responsible for furnishing the inaccurate information to my report or adjust the late payment to paid never late.Best regards
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (MO)

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (MI)

I HAVE SENT IN FTC REPORTS AND ALL EXPAINING TO TRANSUNION THAT THE INQUIRES ON MY CREDIT REPORT ARE DUE TO SOMEONE ATTEMPTING TO GET GOODS OR SERVICES IN MY NAME, YET I AM STILL SEEING THESE FRAUDULENT INQUIRES ON MY CREDIT REPORT, I DO NOT HAVE AN ACCOUTN WITH ANY OF THESE COMPANIES EITHER, THESE FRAUDULENT INQUIRES ARE STOPPING ME FROM SECURE CREDIT AND HOUSING. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO TRANSUNION THAT THESE ARE FROM FRAUDULENT ATTEMPS IN MY NAME AND XXXX HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES, BUT THE STILL ARE REPORTING ON MY CREDIT PROFILE.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (MI)

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (FL)

Ive submitted several disputes to Equifax regarding fraudulent and not authorized by me inquiries the fair credit reporting that they are supposed to dispute each inquiry I submitted the dispute on XXXX  do you ridiculous and they didnt even bother investigating or providing documentation to me they just sent back a generic letter the same day without investigating it saying it they were all factual? How are they factual? If you didnt even investigate them this has been an ongoing issue with these credit bureaus being lazy and not wanting to do their jobs and now I feel singled out. All these inquiries need to be disputed and removed because I did not authorize them.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (GA)

I recently received a copy of my credit, and I noticed fraudulent inquires on multiple consumer report. I did not give consent to the companies listed below to obtain my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX