davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access.

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (IL)

I called Best Buy customer service today XX/XX/XXXX about the ( New ) Surprise amount Due, on the Paper Bill is {$650.00} XXXX due date = XX/XX/XXXX... XXXXXXXX XXXX person told me " Verbally '' that I must send {$1000.00} By XX/XX/XXXX, in order to make New payment arrangements... .This NEW BILL total is More than my Original Purchase Price!!!!!! I asked them Why, I owe this XXXX Now After paying Monthly for over ONE Year... They said it's Deferred interest, Which... ( was Not )... 
Explained to me Verbally, it's probably buried Somewhere in the small print. 
I asked cust. Svc Could this be Added to the back end of this account ( OR ) can I set up a " New '' secondary payment plan for the Deferred interest?? PLEASE NOTE : I'm XXXX XXXX XXXX, living on Social Security and I Can not afford to pay Any Lump Sum amount. 
I feel like I've been **Bamboozled!! 
The XXXX person told me their Lump Sum Payment was my ( " Only '' ) option ...,,, How is it possible that this is my One and ( " Only '' ) Option?? We should be able to find Some sort of Plan B, C, or D, solution that takes the needs of BOTH, parties into consideration.
Consumer complaint received 2024-09-13
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: W&A Intermediate Co., LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions.

I assert with certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

I demand that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that WAKEFIELD & ASSOCIATES will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVEXXXX XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hi, Two weeks ago, I noticed a bad decrease in my credit report. When I checked it was from Genesis Credit Management ( Columbia Debt Recovery ) regarding my past balance from XXXX XXXX XXXX in XXXX. After I disputed and that's when I received an email from this collector company on XX/XX/year>, asked me to pay a payment of {$120.00}. XXXX I mention I moved out XXXX years ago, and never I ever received any approved final invoice from them to notify me about this charge? They would go straight ahead and affect someone's credit without considering legal procedures. I have read all the reviews from this company and I see that many people experienced such a horrific problem as us. I decided to give them a call and that when I was told the past balance was for utility and paint damages, BUT we never pay the preserve any electricity bill, we used the third party company which all renters do. Before moved out, we requested multiple maintenance services which included paint touch up, the apartment deleted all those requests without our knowledge. We did ask them about that, and their response was " We always do paint touch-ups before new residents move in any way, so I do not have to request to get that done before I move out ''. The past balance is not a huge amount, I would not mind paying it even though I do not believe we owe them any utility bills. But I see that many people have experienced the same situation as us and they were verbally abused and disrespectfully treated while they tried to solve this matter. Somebody needs to do something about this, one of the reviews did recommend that we should voice our concern to the cfpb so here I am. AGAIN, they would blankly affect many people 's credit so they can get the money that they want and that is not fair to us hard-working people who would work so hard to maintain a good credit report. I hope cfpb can look into this and resolve this matter so no one can be affected by this company. No one deserves this and no one should be treated this way. After reading all the reviews about this company, I know that I am not alone. I understand why so many people were so afraid to raise their voice due to financial matters to hire lawyer/attorney to help them, so all they can do is expressed their unfair frustration feeling on the review section.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act The following 5 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A 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 XXXX ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

The owner, XXXX XXXX and his company XXXX reported to a third party debt collector in Florida named Hunter Warfield that we owed them {$6700.00} and garnished our security deposit of {$1100.00} for rental arrears upon our vacancy of their property. XXXX and XXXX are fully aware that there was a court proceeding between us and them where the judge reduced the amount of {$6700.00} to based on the conditions of the apartment and rendered a judgment for a total of {$4700.00}. XXXX was contacted as soon as we received a notice and saw the report on our credit reports that is falsely reported and negatively affecting other finances. XXXX stated he would not be correcting it and he disregarded the judgment and never provided the debt collector with this judgment, only a fraudulent account ledger showing blanked out charges for illegal fees added to the bill. He intentionally is trying to cause harm in the form of monetary damages because we had been complaining about him and his company since the beginning of 2024 and knows these actions are illegal and would be bad to be on our credit report. 



The company is XXXX XXXX XXXX XXXX XXXX and is owned by XXXX XXXX and managed by XXXX XXXX
Consumer complaint received 2023-07-06
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-16
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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible.

The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-10-05
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXXXXXX  This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. 
I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED. BAL. XXXX ACCT. XXXX US DEPT ED. BALXXXX XXXX ACCT. XXXX US DEPT ED. BAL. XXXX ACCT. XXXX US DEPT EDXXXX XXXX XXXX ACCT. XXXX US DEPT ED. BAL. XXXX XXXX XXXX US DEPT ED. BAL. XXXX ACCT. XXXX
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

I would like to file a complaint on Old Navy Navyist Rewards Card services ( BarclaysUS ) On XX/XX/year>, I made an online purchase from Old Navy, total amount was {$100.00}. I registered for paperless statements. 
Since I was aware of the balance of my purchase, in XXXX, XXXX I mailed in a check of {$100.00} to pay off the balance. 
I have not heard anything from Barclays since then so I assumed the balance had been cleared off, until XX/XX/XXXX XXXX I received an email from them notifying me that I have a balance of {$370.00} with them. I called in Barclays customer service to find out about it. I am advised I am having that much amounts of balance because late fees has been accumulated since XX/XX/year>. They've charged me {$41.00} for late fee monthly {$100.00} + {$30.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$32.00} interest ( XXXX ). Total amount of balance is {$370.00}. I asked for forgiveness on those late fees because they have not send me any notification on the balance, late fees and interests since XXXX at all. The representative ( her name is XXXX - XXXX ) can only waived off 3 months of late fees ( {$41.00} * XXXX = {$120.00} ), brought the balance down to {$240.00}. 

XXXX. They are charging {$41.00} for a month late fee, the charge is too much XXXX. They should have sent out notification to me on the balance I would like to request forgiveness on late fees in XXXX, XXXX, XXXX, XXXX, XXXX. I will be able to cover XXXX late fee {$30.00} I am aware that the interest fee will not be forgiven {$32.00} So my balance would be {$100.00} + {$30.00} ( XXXX late fee ) + {$32.00} ( interest fee ) = {$160.00} Please take this case into your consideration. I would have taken care of the balance if I was aware of, I would not ignore the bill and I would not have waited that long to be stuck in this aging balance. I have tried my best to keep good credit score even though I have been struggling financially Thank you