davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2019-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

First Progress bank reported me to the XXXX credit bureaus a 30 day late.Uploaded documentation is the payments I paid and was confirmed by email from First Progress ( in uploads ) .They said it was in XXXXThey claimed I put in the wrong account number, I auto filled it and I would NOT have got a confirmation email had I put in the wrong account number, not only that they would have notified me the first time if the payment did not go through.I then had to mail in the payments and they changed there entire mailing address without even notifying me, this was done in XXXXThis change made it to were my payment was not received until the mail was forwarded.Thus making it late.Uploaded is the confirmation of payments made and they reversed them, I checked my bank statement and it WASNT for insufficient funds, also attached is entire history of activity of the account, it makes no sense for had they notified me of the payment being reversed I would have resolved the issue way before 30 days but I received confirmation email saying i paid.please help, there is no way there is a 30 day late ( see attached ) on this account, only reason they are claiming there is a 30 day late is they reversed the payments and never notified me.XXXX XXXX  agrees that this is not my fault.I have been needing to refinance and I prepaid this card to improve my credit, please help.In the previous questions there were a couple questions that 2 or 3 answers would apply but they only allow one answer.I feel that this was intentionally done so I would be forced into a situation that I would have to sell my house for there are a lot of greedy investors buying up homes in my area for they hold value and are predicted to increase in value, i am bugged every day to sell my home by corporate greedy investors.I also think they did it causing they know im not good on the computer and they thought they could get over on me, I have a idea of who it is.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (MD)

The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MN)

The debt is supposed to be to Commenity Bank for a couple of different accounts including Store cards XXXX says XXXX and another XXXX says Commenity but both are Commenity bank I found out. These both were opened by an unknown party in my name with stolen ID and information. It may have been another resident in my own building I live, which houses hundreds of people. We have had an issue with mail theft ID thefts, and fraud here. I notified Commenity thatI do not owe this debt and it was not my acct. they told me it would be taken care of. But it was not, it appearson my credit report as {$730.00} in debt, and is hurting my credit and is not my debt. I asked them for a fraud packet twice but they never sent it and insead placed the acct in collections in 2014 and will not listen to my info nor help me resolve this since. I decided to finally report it because I am tired of trying to contact them and no one cares that this was fraud at Commenity. I want the entire debt removed from both credit reports please.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Made the XXXX payment and they refuse to post it to the account and have left it in a suspense account and there is no payment being shown made after they have take the money. I am beginning to think that Bayview is a XXXX group that is collecting money for their cause. They are a bunch of XXXX and XXXX  people.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Card Type : Citi / XXXX XXXX XXXX XXXX  Mastercard Issue : Not refund membership fee {$450.00} Abstract : I contracted this card as it provided access to XXXX XXXX Clubs  in the XXXX. I could have been flying any airlines ( not XXXX - XXXX XXXX ) and still be able to access the clubs as a cardholder member. 

On XX/XX/1919, when accessing the club I was asked for my flight ticket to be granted access. I was also informed the changes took place on XX/XX/1919. 

On XX/XX/1919 I called Citi to close my account and was then informed they would not refund my {$450.00} USD as the membership was charged on XX/XX/1919 and it has been more than 60 days ( 63 days to be exact ). 

The only reason I wanted to close the account is due to the fact there was a substantial change in the terms and conditions to access the clubs and no information had been provided in advance.
Consumer complaint received 2024-09-03
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. (ME)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with ( EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 15 USC 1681.

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 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-08-28
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: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC (NV)

I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

In XX/XX/XXXX, I began experiencing issues with XXXX XXXX related to inaccurate and harmful reporting on my credit file. Despite my efforts to dispute this account under XXXX XXXX Account XXXX. : XXXX, the company has failed to correct the inaccuracies and continues to report negative information to the credit reporting agencies. Specifically, XXXX XXXX reported a charge-off with a balance of {$32000.00}, which remains on my credit report, despite my formal dispute. 

I submitted a formal dispute and a Cease-and-Desist request, yet XXXX XXXX continues to report this disputed account to the major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ), as XXXX XXXX has not conducted a reasonable investigation, and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits third-party communication after a cease-and-desist request has been issued. 

Additionally, XXXX XXXX 's response to my dispute on XX/XX/XXXX, failed to address the issues. They placed the account in Cease-and-Desist status but continue reporting negative information, impacting my credit standing. 

I request the CFPB to investigate XXXX XXXX for their failure to comply with FCRA and FDCPA regulations and take corrective action to ensure the removal of the negative reporting from all credit bureaus.
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize
Consumer complaint received 2024-09-02
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-18
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. (WI)

This is response to complaint number XXXX have reviewed my consumer report and noticed that I had inaccuracy of late payments on an account that I was never late for : XXXX, XXXX ( 30 days ), XX/XX/year> ( 60 days ) ( Account # XXXX ) and inaccuracy of " Account Type ''. 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 [ 15 U.S.C. 1681 ( b ) " Accuracy of Report '' ]. I have never been late on payment for the account that I have included in the screenshot inside this complaint. Investigate this billing error [ 15 U.S.C. ( a ) ( B ) ( i ) & ( ii ) and 15 U.S.C. ( b ) ( 2 ) ( 4 ) ( 5 ) and provide me proof with statement showing that these payments were late. In general ( timely notice ) notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after furnishing the negative information to a consumer report agency described in section 1681 a ( p ). In coordination with other disclosures, the notice required under subparagraph ( A0 ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the consumer ; and clear and conspicuous. FCRA ss 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires certain financial intuitions to provide written notice to a consumer before furnishing negative credit information to a consumer reporting agency. If proof can not be provided I demand these payments be updated to " Paid as agreed on time, never late '' as should be due to the fact I was never late.
Consumer complaint received 2024-08-29
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$3500.00} XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$3000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$4200.00}
Consumer complaint received 2024-09-03
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. (MN)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXXXXXX late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX