davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any XXXX  party for this matter and represent myself by myself. I'm sending this complaint because Equifax Credit Bureau is reporting hard inquiries on my report that I have not give consent for and they are result of fraud ; I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the XXXX. 
On XX/XX/XXXX I have submitted my complaint against Equifax regarding hard inquires on my report that I have never authorized, and Equifax Credit Bureau HAS RESPONDED BACK to me on XX/XX/XXXX that next HARD IQURIES WERE DELETED : XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX. 
AS OF TODAY XX/XX/XXXX I SEE THESE HAD INQURIES ON MY CREDIT REPORT, that being said, EQUIFAX RESPONDED TO CFPB AS THEY DID CORRECTED MY CREDIT REPORT AND THEY DELETED ITEMS THAT HAVE BEEN PLACED BY FRAUD BUT EQUIFAX DID NOT DELETE THEM and these ITEMS STILL ON MY CREDIT REPORT FROM EQUIFAX. IT IS A VIOLATION OF FCRA LAWS AND MY RIGHTS AS A CONSUMER. 
The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. XXXX is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report. 
I HAVE ALSO ATTACHED A COPY OF MY FTC REPORT THAT I HAVE FILED ON THAT TIME IN XX/XX/XXXX so YOU CAN SEE THESE INQURIES THAT EQUIFAX SAID HAVE BEEN DELETED BUT THEY ARE STILL THERE.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (NY)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DON'T RECOGNIZE THIS HARD INQUIRY BELOW: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment, of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts are inaccurate.
Consumer complaint received 2024-08-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (NJ)

My student loan servicer, XXXX, changed the status of my account from part of the XXXX plan into a deferment period without my request or consent. This caused my loan to acquire an additional XXXX XXXX dollars in interest when previously I was making all my payments on time and receiving a subsidy for my interest, and the account was kept below XXXX XXXX dollars. The account has increased to XXXX XXXX dollars, and this extra XXXX period where the account was put into deferment tacitly would not be eligible towards public service loan forgiveness. When I asked why this change was made, they reported that it was automatically done and tried to provide me with information that made it seem like the change would benefit me when, in reality, it would cause interest to accrue, whereas before, it was not. I should not be liable for the extra interest that resulted from this predatory change that was made to my account, and an investigation into the company changing the status of people 's accounts without their consent should be looked into.
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: EQUIFAX, INC. (IN)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 those account 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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX transactions to my checking account of Citizens Bank, one for {$500.00} ( XX/XX/XXXX ) and other for {$100.00} ( XX/XX/XXXX ) a total amount of {$600.00}, the purpose of that was to pay off some overdraft fees of {$140.00} and make moves on that account that I didn't use for a long time. Those transactions were supposed to be posted on the account on XX/XX/XXXX, but instead of that on XX/XX/XXXX Citizens Bank closed my account to charged off the overdraft fees and they deleted the two transactions from my transaction history. I went to the Citizens Bank branch on XXXX XXXX XXXX, XXXX XXXX, MA XXXX on XX/XX/XXXX to try to make an withdrawal and the teller notified me that the account was closed, when the account was open on that weekend that I received the transfer. I made a check to pay off the fees and I gave it to the assistant branch manager but this check wasn't send to the recovery department, alleging problems with the internal mail, so this person returned to me the check, more than week later on XX/XX/XXXX I payed off by phone the fee {$140.00} with my debit card to the Citizens Recovery Department, but the situation is that nobody knows what happened to the {$600.00} or where it is. 

I trayed to resolved it at the branch of Citizens Bank, but any of the options that they gave me works and nobody of the internal department that they trayed to contact none were helpful : XXXX They told me to contact the person who sent the money to put a claim on her bank, we did it but the bank ( XXXX Bank ) says the money were sent and can not be revoked ( I have a copy of the case summary of the claim ). It's means that the money wasn't returned to the sender. 

XXXX They told me to put in contact with XXXX but it says that all transaction made by the back mobile app have to be checked with my financial institution, in that case Citizens Bank XXXX 

I've been trying to resolve this situation with Citizens Bank by the most polite way posible, I feel disappointed and I don't trust in this Bank anymore, as a customer I feel robbed. Also, they didn't pay to much attention to my situation even I gave to them all the prove of documentations that prove my account was open on the date of the transactions : -I have XXXX emails from Citizens Bank that prove that the money were deposited on the account. 
-A letter from Citizens Recovery Department dated on XX/XX/XXXX the same day that the transfer supposed to be posted on the account. 

-I have a copy of the case summary of the claim that the sender put on her bank. 

- I have a copy of the check that was returned, and the email confirmation that I payed off the overdraft fee of {$140.00} to Citizens Recovery Department.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AutoNation Enterprises Incorporated (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear XXXX XXXX, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of XXXX XXXX XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by XXXX XXXX XXXX XXXX has no record of my information in their system, indicating that the garnishment XXXX have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that XXXX XXXX, XXXX immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report. 
XXXX of XXXX : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

XXXX and Equifax were decreasing my credit every week which I think that causes adverse selection and adverse treatment. However, I think that credit should not be decreasing when you make a monthly payment on time. Yes, I know that going over XXXX percent on credit card will cause a decrease in credit scores but decreasing over XXXX points. Wow, that can cause a lot of adverse selection and adverse treatment. 

So, I believe that credit scores should not be decrease drastically, unless I am drastically behind in payments. Please look into this matter. 

XXXX XXXX
Consumer complaint received 2024-08-06
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. (NY)

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 2024-08-02
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America closed my personal and business accounts today without any notice. 
I only found out when I tried to run a transaction thru and it was denied. I called them because I have never done an overdraft with them since this account was opened. All they would tell me is that it was a business decision. No other explanation was made. 
Now all my money is tied up, all the checks that I wrote are being returned and any direct deposits that came into this account are also being returned. I still have approximately {$2600.00} in these two accounts and I can not get access to it. I have bills to pay and no money. When I asked when I would be getting this money all she would tell me is that I would be getting a letter in the mail in the next week. She told me they would be issuing me a cashier 's check for the account balance but could not tell me when. I said I need this money as it is all I have to live on and her response was everyone needs money these days. I am just beside myself as to what I am going to do. I can not believe that they can just close an account for no reason and then hold on to the money without giving you a date as to when it will be returned. Just a terrible way to treat customers.