davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (TX)

Equifax : TEXAS ATTORNEY GENERAL-CHILD SUPPORT account on my credit report-There are ( 2 ) accounts on my credit report with the same account/case number but different open dates. I have sent 6 disputes by mail and online with supporting documents showing I have only ( 1 ) open case with TEXAS OAG and the correct start date along with my payment history and pay stubs with no late payments but no resolution. EQUIFAX states creditor verified the duplicate cases which makes no sense. I cant get a response from TEXAS OAG on it.. XXXX : TEXAS ATTORNEY GENERAL-CHILD SUPPORT account shows that the account was opened in XXXX and all late payments in XXXX. I didn't even get divorced till XXXX. The case was opened in XXXX. Again, sent numerous documentation including the judges order stating the date the account/case was opened and payment history showing all payments made on time and started in XXXX. XXXX states that TEXAS OAG verifies that the account was open in XXXX even though I have court documents and TEXAS OAG documents showing XXXX. I cant get any response from TEXAS OAG. I just need TEXAS OAG to report my payments history and account start dates correctly. I am not sure what else to fix these errors with EQUIFAX, XXXX and TEXAS TTORNEY GENERAL-CHILD SUPPORT. I requested for documentation from all 3 in writing and online showing their verification and method of verification as I had the court orders signed by a judge and TEXAS OAG case details. I was not provided this in the 4 disputes that I requested from all 3.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (IL)

On XX/XX/XXXX I submitted a dispute on my cash app account as I seen money I had out there had been taking out the account. I contacted there customer service and they made me dispute each individual transaction from XX/XX/XXXX forward. I explained that my daughter was XXXX XXXX XXXX XXXX so I had seen transactions unfamiliar but was unable to dispute due to the circumstances. They insisted I filed each dispute seperate and so I did. Today I receive an email stating I made all but one transaction but they cant explain how I made all 7 transactions but 1. This is suspicious behavior from cash app and seems like a scam. They are also holding money from the residence in XXXX that was being held as a security deposit in XX/XX/XXXX. The funds have been released by the hotel but they fail to release my money. Cash app is allowing peoples funds to be stolen by fraudsters and will not refund the money stolen
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Transworld systems I has has XXXX $ claiming to collect from me for XXXX XXXX XXXX  put this account in my collections i have no knowledge of this account i contacted them to verify debt but they have failed to provide me any thing any letter in mail which can verify it has been 30 days i contacted them 2 times already by phone. I want them to remove this account from my credit report i have included a snapshot.
Consumer complaint received 2024-07-25
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. (CA)

XXXXXXXX XXXX XXXX account # XXXX opened XX/XX/XXXX. 

XXXX XXXX account # XXXX opened XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-07-25
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. (NM)

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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My Identity was stolen since last year in XXXX two auto accounts appeared and along with many inquires and an install account about a month ago showed up. I have disputed these account multiple times as ID theft and they refuse to remove or block the accounts because the furnisher is disagreeing.
Consumer complaint received 2024-07-25
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. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-16
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

My credit card with Apple Goldman Sachs was fraudulently used in the amount of {$500.00} and {$490.00}, XXXX all done fraudulently. I informed Apple Goldman Sachs as to what was going on and they denied my claim stating that they have information or signed documents from the merchant. I asked them to provide these documents that I so called signed I was never provided with anything. These corporations hold the people who pushes their business reliable even when the customer was not at fault. I never shopped at this merchant and Apple Goldman Sachs can not provide any information stating that Ive done so. They simple just denied my claim and called it a day knowing the consumer cant do anything about it. This is a terrible way of doing business and Apple Goldman Sachs need to be held liable for these bad business practices.
Consumer complaint received 2024-07-25
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. (TX)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is 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, impacting my financial well-being and daily life. I am left with no choice but to urgently 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 standing.

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (PA)

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : American First Finance ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted American First Finance and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have attached a preponderance of information that shows I'm not responsible for this account. XXXXXXXX XXXX has been my primary residence since XX/XX/year>. Someone have used my information in the past as a result of identify theft. )
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NC)

Discover has suspended my credit card which has always been in good standing. When I called I was informed that my personal loan account was 8 days past due as a result they have suspended my account. I advised them that these accounts are not linked. Their loan account is freestanding and you don't need to have any other discover products to obtain a loan thus one isn't contingent on the other. I requested a copy of my terms & conditions where this information was disclosed to me and was informed that it is not listed. That is not how things work. A institution can't make up rules as they go and can't enforce a policy that wasn't told to a consumer. This is extremely shady business practices and needs to be investigated. If this is the position of the institution consumers should be provided this information.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (HI)

Initial contact with AMEX travel was made on XX/XX/XXXX regarding cancellation of trip to XXXX XXXX. Reason for cancellation was last minute XXXX travel. 
First travel agent messaged XXXX AMEX portal has informed me that travel will be compensated through travel credit and or rescheduling which could cost up to {$200.00} per person. 
I was content with the travel credit as I did not want to incurr a loss. When proceeding with cancellation, I was told that I had to be transferred to another agency because travel reservation was made through AMEX XXXX XXXX.

When talking to AMEX XXXX XXXX the next day, I was told that the hotel would be fully refundable if cancelled by the first day of check-in but flight was non-refundable. I disputed that stating that was not what I was told the day prior and an agent informed me they would reach out to the airline to see if documents could be provided to back stating XXXX XXXX were the reason for cancellation. 
After attempting to follow-up with my case and speaking to numerous agents I finally received an answer by XX/XX/XXXX stating that XXXX has denied my refund and the flight would be a complete loss. I asked the agent if they can follow-up with the airline to see why the claim was denied and what their criteria was for why my claim was denied. 
The whole process was very cumbersome and time consuming as I had to speak to several agents and follow-up with AMEX and then get transferred to AMEX XXXX XXXX only for them to tell me no update and plead my case to every single person I spoke too.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : 1. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file.

2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also delete ALL known as names on file.

3. Only Date of Birth : XX/XX/year> I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible.

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address.

A recent utility bill displaying my correct address.

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Consumer complaint received 2024-07-06
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. (UNITED STATES MINOR OUTLYING ISLANDS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

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 consent.
Consumer complaint received 2024-10-10
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: Shellpoint Partners, LLC (IL)

My home mortgage was held by Shellpoint Mortgage Servicing. 
In XX/XX/year> I sold this home. The closing was completed XX/XX/year>. 
This mortgage is being reported as unpaid and also being reported as XXXX payment as being 60 days late and the XXXX payment as being 30 days late. 
This is being reported this way even though I received a notarized letter from Shellpoint saying the mortgage was satisfied in full. This letter was dated XX/XX/year>. On XX/XX/year>, Shellpoint reported to XXXX this erroneous information. 
I have filled a dispute with the credit bureaus. 
I also phoned Shellpoint. ( XX/XX/year> ) I spoke with XXXX XXXXXXXX XXXX. I explained the issue with her, she confirmed the mortgage was paid in full. She told me in order for them to correct the erroneous information I would need to email a copy of my credit report to her and it would take 60-90 days for the error to be corrected. I emailed the report to her at XXXX as soon as our call was finished. 
In the meantime I can not proceed with buying a home or even renting an apartment due to what the erroneous information provided by Shellpoint is doing to my credit score.

I am presently living in a motel at a cost of XXXX XXXXXXXX dollars per night, and paying {$200.00} monthly for storage of my belongings.

These amounts do not take into consideration that my meals are all eaten at restaurants.

Their wrong reporting is costing me a fortune, and the mental anguish and XXXX  is indescribable.

Would you please help me with a resolution for this difficulty.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (WA)

I opened the XXXX XXXX XXXX XXXX with Citi Bank on XX/XX/year>. However, as of XX/XX/year> I have not received my credit card nor have I been able to access my account. This is a violation of the credit card contract that Citi Bank executed with me when I was in the process of opening my account. I have spoken with over 5 Citi Bank representatives, none of whom were able to get my access to my credit card or online account. In fact, during one of my calls with their representative, I was notified via email that my card had been activated, when in reality I had never received my card from Citi Bank. Citi Bank, lied to me, fraudulent opened my account, and violated the legal contract they executed with me by not providing me any means to access my account or use my credit card. Finally, I had no choice but to close my account with Citi Bank as I had been a victim of fraud through their representatives. However, the supposed Citi Bank account already started showing up on my report and Citi Bank and affected my credit score. The fraud is that Citi had access to my credit history and an account on file, but I had no rights to the supposed account and could not use Citi 's credit services that I had a legal right to per the credit card contract.
Consumer complaint received 2024-07-25
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. (NY)

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  # XXXX, Has violated My rights. 

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 Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX