davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-07-31
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)

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXX XXXX XXXX XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-31
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. (IL)

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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed.

15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Amount XXXX XXXX. XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed.

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.
Consumer complaint received 2024-07-31
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. (LA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX my ATM debit card was not working so I went into the branch Wednesday XX/XX/XXXX to try to get another one. They decided that I should not come into any of their branches anymore and closed all access to my accounts in the computer and told me that they would send me my account balances via mail. They did not say when they would be sending it. Before they closed all access to my accounts on the computer I was able to get the last 4 numbers of the accounts and the balances. My account ending in XXXX has {$830.00}, my account ending in XXXX has {$100.00} and my account ending in XXXX has XXXX. I think it should be illegal for them to cut me off from my money and at the same time tell me not to come into their branches anymore. I was right there in the bank yesterday they should have cut me a check right then since they don't want me contacting them. I am afraid that I will not get my money from them because I do not have the full account numbers. The full account number does not show up on the computer I would have to search for it. But now I don't have any access to my accounts on the computer. 
I don't have any faith in them that they will send me my money in a timely manner because back on XX/XX/XXXX I sent them {$200.00} attempting to pay a credit card bill but I accidentally sent the {$200.00} to an account that I had with them that has been closed for about 9 or 10 years ago. So last week on XX/XX/XXXX, XXXX I went into the branch attempting to get my {$200.00} back and they said they don't know where it is and can not look for it because I don't have the full account number. I showed them my bank statement that showed I sent it to an account number ending in XXXX and my bill pay bank gave me a trace number so that they could trace what they did with the {$200.00} they sent them. The trace number for that {$200.00} payment is XXXX. They claim that the trace number does not help. They claim that the only thing that will help is for me to give them the complete account number. There is no way I can give that to them from 9 years ago. Don't think I ever really had it because everything is always the last 4. I really want my {$200.00} that is floating around there somewhere.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX  # XXXX REFORTING TWICE iTEM XXXXXXXX XXXX # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
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. (IL)

I am XXXX XXXX, I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine. 

I need help to get these problems resolved so that I can be financially secure.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (KY)

Mortgage company not communicating with customer in an active bankruptcy long delays in response to all questions asked no return calls from person listed as point of contact unable to obtain information of what I'm being charged with filed paperwork to sell home before bankruptcy was discharged also filed paperwork to block ability to redeem home before discharge
Consumer complaint received 2024-08-02
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-01
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I seem to get everything I dont ask for I have made some simple requests. First the new claims youve opened are not new at all! In fact there has been nothing added since my police report sent to you in XXXX of 2021. I was asked to highlight the transactions that were not mine. But these are the same ones from XXXXXXXX. I was the one who brought up to XXXX XXXX that this didnt seem so right that youve waited to dispute or investigate my fraud XXXX years into it. I knew none of the merchants would have to cooperate had you done the investigation of properly we would have been done. The fraud never was XXXX, k in fact it was on our around XXXX at the time you received the police report with the transactions. Why you didnt use my report is negligent on your behalf The police report lays out what went on. And it needed to be used in this! It was there XXXX weeks ago according to XXXX. I know it arrived to XXXX XXXX and XXXX XXXX back in XXXX of 2021. And as much as you have written with these huge amount of transactions is wrong!!! I never phoned and added XXXX transactions I also never received the letters you claim were mailed. Do you have some kind of proof of your letters and bank cards reaching me? 

I have asked over and over again for a list of transactions that fall under each of the claim numbers given. I would guess that you should have transactions that total the dollar amount for each XXXX of the claims below. 

Claim XXXX XXXX Claim XXXX XXXX XXXX XXXX I also would like to know why the bank sent to me XX/XX/XXXX via email a list of transactions debits credits. And by XX/XX/XXXXXXXX 2024  the double transactions have vanished. Where did they go? 

I also want to point out how wrong you are that you feel the money I have gotten back has been for returns! I have managed to get half of what was owed to me at the start. I did better than you all did! I was having merchants investigate while you were too busy saying these were mine!! Just look at the dentist I have many emails just like this!. 

Photo and videos were available for XXXX  days You knew this and failed to ask for them. 

I am still owed around XXXX in fraud and credit for the and the police report needs to be factored in I had my computer hacked my personal accounts drained my identity taken and a personal credit card used. This is important and had to be factored in. And being that XXXX who works with XXXX XXXX saw this XXXX weeks ago ( pull the phone call ) its there somewhere. You have the original I would have to order another for XXXX and I dont have the money to order another one.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-31
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. (TX)

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 2024-07-31
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-31
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This evening, I discovered some incorrect accounts on my credit report and I'm not sure why. I checked my credit report as usual, but this time I found unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the inaccurate accounts remained. Due to this issue, I request that the documents I've sent be thoroughly reviewed so I can stop worrying about this.
Consumer complaint received 2024-11-02
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. (GA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-31
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. (SC)

I havent sent in supporting documents along with my id and social security card to these credit reporting agencies they have fail to provide me with proper investigation results or upheld their duties to reporting accurate information on my credit profile I have been harassed and violated of all my rights and this has caused me great distress. I have reached out numerous times and they have yet to comply with any of my request or getting this resolved. I was sent a return receipt in the mail but no further investigation results or acknowledgment of my request. These companies have been reporting false information on my report and have making it their duty to cause harm to my everyday livelihood. So far I have not been able to obtain any use of credit because of them violating my rights I have sent in numerous documents and have not received any corespondence and its been 3 months now since the investigation. I have requested investigation results and contacts for who they spoke with to verify this information along with an updated copy of my credit report. Along with my request this company has proven that they are still going to report false information that was open and reported without my permission
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>