davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
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)

Early in XXXX I began to receive mail through the XXXX saying I was behind in payments for my XXXX Account associated with my address of XXXX XXXX in XXXX, FL. I contacted them and told them I HAVE NEVER APPLIED FOR AN ACCOUNT WITH XXXX. FURTHERMORE I HAD NEVER LIVED ON A XXXX XXXX IN XXXX, FL. I have owned my own home in XXXX XXXX, FL since XX/XX/XXXX. Equifax began to report this account as delinquent a little bit after they were hacked. I was successful at removing the initial account but now it is with XXXX XXXX, and I have informed them that the account was a fraudulent account and is NOT mine. I have disputed this account over and over with Equifax. It IS NOT my account. I have NEVER lived on XXXX XXXX in XXXX, FL. I want this removed immediately.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WY)

I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX  approved providers. 
At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX  and supplemental insurance. 
Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX   friends to address this issue as it is the responsibility of Transworld Systems to  address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

In response to a marketing offer from Citibank, I opened and funded online on XX/XX/2019 a DDA and a Savings account with an aggregate account balance of {$15000.00}. Following, I contact customer service via e-chat to validate that the primary DDA account was enrolled to the $ XXXX/XXXX  incentive offer. This premium includes a base {$400.00} award within 90 days of qualifying activities plus another {$100.00} for initiating at least 2 ACH transactions into the account. 

I attempted contacting the bank via email, and mail correspondence but to no avail. Even after taking into account the extraordinary circumstances facing everyone, an entity such as Citibank should have the bandwidth to address my concerns and to make me whole as originally represented they would.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/XXXX ONE OF MY CUSTOMR GAVE ME A CHECK IN THE AMOUNT OF {$26000.00} I DID DEPOSIT THE CHECK AND WAITED TILL XX/XX/XXXX TO MAKE SURE THAT THE CHECK CLEARED, THEN ON XX/XX/XXXX BEFOR I DID GIVE THE GOODS TO THE CUSTOMER I DID CALL THE BANK TO MAKE SURE THAT THE CHECK CLEARED AND THEY ASSURE TO ME THAT THE CHECK 100 % CLEARED SO I GAVE THE CUSTOMER THE GOODS, BUT SURE ENOUGH I WAS LOOKING AT MY ACCOUNT AND I SAW THAT THE BANJ WITHDRAW THE TOTAL AMOUNT OF THE CHECK FROM MY ACCOUNT AND WHEN I CALLED THE BANK TO FIND OUT WHAT HAPPENED THEY TOLD ME THAT THE CUSTOMER PUT A STOP PAYMENT ON THE CHECK, BUT WHO CAN THE CUSTOMER STP PAYMENT ON THE CHECK AFTER XXXX BUSINESS DAYS AND I MADE SURE TO CALL THE BANK AND VERIFY THAT THE CHECK CLEARED, AND MY BANK CLAIMED THEY DIDNT KNOW ABOIUT IT, AND I WENT TO THE BRANCH 3 TIMES TRY TO FIND OUT BUT KEEP GETTING THE SAME ANSWER, THEN I TRY TO CALL THE CUSTOMER BUT HES NO WARE TO BE FOUND
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

My credit file has fraudulent activity on it and I disputed it to the FTC and filed a police report. I also added a written statement to the report about the account not being mine. I had my FTC reports notarized in the courthouse. I also added a FCRA 605B ( 15 U.S.C. 1681c-2 ) report to my claim to have negative inaccuracies blocked from my file.The accounts Im disputing should have been blocked and deleted from my account in four days. Unfortunately thats not the case. I havent received anything from XXXX  or Equifax explaining that they are responding to my dispute.
Consumer complaint received 2020-01-07
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. (MO)

I have been working hard to increase my credit score by paying down all old credit cards as well as any debt in collection. I monitor my credit through XXXX XXXX and I noticed somethings that are wrong in regard to my credit report. When I logged into XXXX XXXX it said my credit score is dropped to XXXX a decrease of 26 points because I paid down a balance on my credit card. This is wrong since I paid down the balance my credit score should increase not decrease, when I reached out to Equifax they could not explain why. This is not right as a consumer equifax should have a reason and standard to follow when it comes to credit scores. My score should have went up not dropped. I want this issue looked into immediately as it appears Equifax is not doing its required by LAW do diligence to accurately report my credit and credit score. I want this issue looked into immediately and my points that were drop restored back to my credit report as this is causing me hardship in regards to me fixing my credit up.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-17
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 have filed a CFPB complaint, a XXXX  complaint, contacted the Senator of Florida XXXX XXXX, I have contacted the attorney general of Florida, wrote a letter to the Director of the CFPB and I have hired an attorney. I also have 45 recorded calls speaking with Equifax. I will not stop until they pay for the damages they have caused me. I have all supporting documents of their failure to uphold the law in regards to my credit report. They have allowed a creditor to reage the debt on my credit and drop my credit score. They refuse to follow the laws given by the FCRA.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

On XX/XX/XXXX I was informed that funds on my direct express account in the amount of {$72.00} were taken out of my account by companies such as XXXX XXXX  and XXXX on XX/XX/XXXX. I immediately called direct express about a dozen times that day until I actually got somebody on the line and I started the dispute process. I filled out my forms that arrived a week later and on XX/XX/XXXX I received a letter stating Im being denied reimbursement of the charges that I stated were fraudulent. Per direct express I have given permission for a third party to use my card in the past. I dont even own a XXXX nor have I ever used XXXX before. I called direct express again on XX/XX/XXXX after I received the letter and asked how can this possibly be investigated as whoever obtained my card number also tried making other charges which did not go through as they emptied the last of my money in the account. This also caused my phone bill to bounce when those charges went through. Any proper investigation would show my spending habits are pretty similar and how the charges came through should be a red flag whenll the large purchase was declined for insufficient funds. I was left with {$5.00} in my account but no thats not the case. Im told that there is no appeal process and to try and dispute the charges with the merchant. I asked direct express to provide me with information on the XXXX charges but the rep informed me they dont have anything to give me. I contacted XXXX directly who said without the banks information as to whos XXXX accessed my card they can not help me and they were shocked the bank cant provide any information. Basically, we are told this is a safe way to receive our benefits and we are protected against fraud but this is not true at all. The banking practices of direct express needs to be investigated as this is happening to so many people who rely on their government payments to live.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, 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. (NJ)

A fraudulent credit card application using my identity was submitted for a XXXX XXXX XXXX credit card in XXXX. A hard inquiry was made by XXXX XXXX, XXXX XXXX on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with XXXX to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. XXXX agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my Equifax credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-08-01
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: Colony Brands, Inc. (IL)

I contacted the credit bureau in XXXX for them to dispute the account XXXX  on my credit report. They sent me an updated credit report only to say that the company reported the account as accurate. I then received a letter from XXXX  advising that they sent a notice to the credit bureaus to remove the account as fraudulent. However the account is still being reported on my credit report. The balance show $XXXX, I am attaching a copy of the letter from XXXX.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX  {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed
Consumer complaint received 2019-12-16
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. (CA)

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX   since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

-Back on XXXX XXXX XXXXXX/XX/year> I sent in a letter asking the company to verify multiple Items listed on my credit report which were not verified. This is my second time reaching out and I want to do it through you guys here at the CFPB to ensure everything is handled properly. I will list two documents. The first document will be the initial letter that I sent back on XX/XX/XXXX and the second document is my follow-up letter to not getting my accounts verified.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XXXX, I had a balance of XXXX} on Citi card account ending in XXXX. The 0 % interest offer was set to end XXXX XXXX XXXX, 2021, I took out a 0 % XXXX card to transfer the amount which included a three % transfer fee. On XX/XX/XXXX, I was told by XXXX  that the transfer could not occur for 8 to 10 days, which was past the 0 % date for Citi card. I did not want to pay accrued interest on Citi card so I transferred {XXXX} from my HELOC with XXXX XXXX XXXX XXXX XXXX and paid it off on or about XXXX. I contacted XXXX and requested a cancellation of the transfer but they said they couldn't cancel the request and the actual transfer went through on XX/XX/XXXX. I now have a credit balance of {XXXX} with Citi card. I requested on XX/XX/XXXX that this be returned to my bank. I was told it would take 2-3 working days to return the funds. On XXXX first I called Citi card and was told it would take 7 days to return the funds. On XX/XX/XXXX I called Citi card and was told it would take 7-14 days to return the funds. 

The funds have cleared my bank. There is no legitimate reason for Citicard to hold my money. It can be returned to my account with the push of a button. They are getting interest on my XXXX} and I am paying interest on it. Please help expedite the return of my money. XXXX XXXX
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit 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. (NJ)

Home depot credit card purchase was made XXXX Amount : XXXX -Multiple calls to home depot 800 number -Visit in XXXX nj location who referred me to my credit card for fraud protection -disputed transaction which card did not proceed forward with as no proof of cancellation was sent ( none possible to send since it never came ) -multiple calls disconnected at credit card company.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There were charges made at XXXX stores using my credit card which I did not make. I do not make purchases for those amounts anywhere. I rarely shop at XXXX and when I do, I do it online. The fraud department for my credit has advised me to contact the police and file a report. The charges were made on a another credit card not the XXXX XXXX XXXX. Although I do own one I do n't use it. I have been in contact with Capital One which was the credit card that was used. They cancelled that card and gave me a new credit card number since then.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently i loocked at a copy of my credti report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy.

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : XXXX XXXX XXXX {$1600.00} not mine
Consumer complaint received 2022-04-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!