davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-10-29
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. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 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 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 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: REGIONS FINANCIAL CORPORATION (TN)

My Regions checking account was hacked. There were multiple fraudulent checks drawn on my account within a couple day window. The checks were made out from State of Maryland for child support. I have no children. There were four checks drawn from the account, each near {$1000.00}. I notified the bank by way of calling as soon as I discovered this and alerted the bank to the fraud. I also visited the branch to seek assistance. I was told to also file a police report, which I did. My account was then frozen while they began a fraud investigation ... or so I was told. ( This was XX/XX/XXXX when I notified the bank and filed the police report. ) I was told I could open a new checking account at Regions while the investigation occurred. I obtained a loan from a family member to assist in this process, and deposited over {$10000.00} into my new checking account. 

Within five days of depositing into my new account, Regions debited my new checking account for the balance of my old checking account ( {$4000.00} ) that was reportedly being investigated for fraud. I never received anything from the fraud department about the investigation nor the outcome of the investigation. 

I have visited 2 different branches since the money was taken out of my account and I have called countless times. No one seems to know what to do to get the money returned to my new checking account, and no one seems to know what happened to the fraud investigation. It honestly looks like no fraud investigation ever even occurred and it makes me wonder if the bank took the right steps in fraud protocol. I am now being penalized and had to pay for fraud that was never my fault, per the police report. 

The worst part about all of this is the fact that no one seems to know how to help me and no one really has the authority to do anything.
Consumer complaint received 2024-07-24
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)

Dear XXXX, EQUIFAX, XXXX, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting. 
XXXX ( Credit First ) Account Number : Ending XXXX Date of Dispute : XXXX of 2023 Late Payment According to 15 U.S. Code 1666b, 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 to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, under 15 U.S. Code 1666, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. 

I request that you Investigate the disputed information. 
Correct any inaccuracies found. 
Provide me with written confirmation of the corrections made. 
Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (MI)

I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.
Consumer complaint received 2024-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. When I reached out to the issuing bank to help me recover my money they ignored my request and cause me harm to my personal information
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (FL)

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, 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 furbish an account without my written instructions.
Consumer complaint received 2024-07-24
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 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

I was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/2024, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/2024, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : 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 Below are the incorrect derogatory items that must be deleted : 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
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

On XX/XX/XXXX, I sent a certified letter requesting verification/validation of the debt, and requested all information as suggested on the CFPB.gov website. I have proof of delivery that it was recieved XX/XX/XXXX. On XX/XX/XXXX, the debt collector has called once and has mailed another collection letter, but has not provided the requested information. So they have continued collection attempts and have ignored my verification/validation letter, including threatening legal action to sell this alleged debt to a local attorney.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

PenFed is offering a checking bonus of up to {$500.00}. Bonus is broken down as follows : Get {$250.00} when you open a new PenFed checking account Make 2 direct deposits totaling at least {$1500.00} into this checking account by XX/XX/year>. 
I completed all requirements by XX/XX/XXXX, but have not received the bonus inspite of contacting bank multiple times.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (CO)

An account through Allied Account Services was taken out in my name XXXXXX/XX/year> the original creditor is XXXX XXXX XXXXXXXX XXXX. The loan type is " collection agency. '' I did not take out this loan or make this account. This account was either made fraudulently or is fraudulent. I only came to know of the account when checking my credit score through XXXX XXXX. I have froze my credit and made a dispute with XXXX XXXX. 

More information about this fraudulent charge : their address : XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX Phone Number : XXXX I found this information on the XXXX website, I never had any knowledge of this company prior. This is fraud.
Consumer complaint received 2024-07-24
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-11-25
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: Experian Information Solutions Inc. (CA)

THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.
Consumer complaint received 2024-07-26
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. ()

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I paid my XXXX XXXX XXXX XXXX bill on XX/XX/year> but they are not able to " locate '' my payment. I paid the bill using my Bank ( XXXX ) online bill pay. I have submitted the payment information to XXXX XXXX XXXX XXXX and they sent me a letter saying " We received your payment and it will appear on your next statement ''. 

However they have not credited my account and continue to charge me " late fees ''. I have called XXXX XXXX XXXX XXXX several times to get the issue resolved, but I am told that they still do not show payment " on their end ''. When I explain that I have a letter from them saying that they received the payment, they say they have no record of the payment being made. 

I have tried in vain to have this issue rectified, but there is an obvious, glaring issue with this credit card company and their ability to track payments.
Consumer complaint received 2024-07-24
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 2024-08-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (DE)

I sent TrueAccord a written notice via email that i refuse to pay. Despite my clear request, TrueAccord has continued to contact me twice!, which is a direct violation of 15 U.S.C. 1692c ( c ). This section of the FDCPA explicitly prohibits debt collectors from communicating with a consumer after receiving such notice, except under specific circumstances outlined in the law
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I was trying to pay my bill on the due date but the Amex app wouldnt let me sign in at all. It didnt work for me untill the next day to where I was able to pay my bill. They still charged me XXXX late fee plus XXXX dollars in interest this is absolutely absurd. They claimed they cant waive the fee.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this identity theft and taken immediate action. It is crucial to address this promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2023-06-23
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: Experian Information Solutions 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. 

XXXXXXXX XXXX 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 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. 

i have not received any money from this company
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (AL)

Hello, I now have a Cedars Business LLC debt for {$15000.00} on my credit report. My wife and I had many fraudulent bank transactions years ago that we disputed and also filed police reports in XXXX, AL. I contacted Cedars Business LLC a year or so about this when they sent me letters. They had invalid date of births, addresses, etc for myself and my wife. They started by saying we owed them XXXX but then lowered it to XXXX. I told them they could contact XXXX, AL police dept. to get my police report to show that we had fraud. This is all valid. I never heard back from Cedar Business llc and as of XX/XX/year>24. My XXXX  credit is showing a derogatory remark for {$15000.00} that we do not owe. An affidavit was filed with our bank and local police dept. to dispute the fraudulent transactions. What can I do to get this resolved? My credit score was in the high 700s and I want to keep it that way. This has lowered my score tremendously.