davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-09-05
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX 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 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 2023-04-20
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. (GA)

I had a hard inquiry from.Capitol.One on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I applied for a credit card with Wells Fargo to go on vacation. I was never told I would charged fees for using my new credit card outside of the country. I could have used my XXXX card instead. I tried to resolved issue with WF but they never took my complaint seriously. I have been dealing with this issue for a month already.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have waited 30 days to see changes to my credit report, and there were none. I sent information to XXXX and Equifax regarding the reporting of the bankruptcy that is showing on my credit report and both XXXX and Equifax stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means XXXX and Equifax lied. 

Federal : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Elevate Recoveries, LLC (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims never was an investigation conducted I have firmly asked Help never got it
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (LA)

I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by BOTW to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.
Consumer complaint received 2024-10-15
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)

i am writing to delete the following information from my le. the items I deleted are listed in the report i am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft, adavit, please delete this items as soon as possible
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Received a fraud block on my card cleared block using my mobile app. Account got restricted again I had to call Bank of America agent who answered was rude and condescending. Agent sent me verification link which I passed agent sent me a OTP which then began to argue with me how the code I was sent was not the code he sent me. Not sure how the agent id going to tell me what code I got as a text message informed agent this was the code I got agent continued to argue and become condescending going back and forth with me told me dont get an attitude. I didnt have an attitude I was frustrated at this point but was not being rude or having attitude agent continued to go back and forth and make comments on the phone agent would laugh on the phone and smirk asked for supervisor agent said he wound up clearing account agent finally got supervisor on the phone supervisor was 10x worse then the agent. Supervisor said youre XXXX because you cant verify your identity? Excuse me? Not sure who he thought he was talking to but I let him know sure wasnt me. Supervisor began to get an attitude as well supervisor then placed a hard restriction on my account out of spite and vindictiveness to prevent me from using my card because he didnt like my attitude and what I had to say which caused me to not be able to pay bills with my account. Called again got another supervisor who was floored and appalled at what I had to experience she saw what the supervisor did and agreed he was out of line. Asked Bank of America to have someone call me from corporate they never did they ignored me they had people call me from customer service who was useless and not who I needed to talk to. Bank of America refused to accept responsibility for what they did, instead covered up what happened and brushed it off. No research was completed or investigations done on the issue. No compensation provided which should be.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. XXXX acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by XXXX  to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.
Consumer complaint received 2023-08-30
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. XXXX, EQUIFAX, AND XXXX DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, 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. (AL)

Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.