davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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)

I am writing to bring to your attention a dispute I have with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following issue, but as of today, I have not received a response from them. 
Details of the Inaccurate Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Issue : The mentioned account was never late. Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX FIN Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have contacted Equifax about several innacuracies about my address on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX I have never been associated with those addresses. 

Additionally, I request the update of late payments to accurately reflect my payment history. Specifically, US Department of Education Balance {$2700.00} opened XX/XX/XXXX  US Department of Education Balance {$3900.00} opened XX/XX/XXXX  US Department of education Balance {$3900.00} opened XX/XX/2XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies. 

I have always had AutoPay set up to a bank account on my credit card. Bank of America said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of Bank of America systems. They have refused to take this action.
Consumer complaint received 2023-12-09
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. (PA)

I previously disputed information through FTC and led a CFPB complaint for fraud with all three bureaus. I was successfully able to get responses from XXXX and XXXX When I spoke with Equifax, they initially told me they didn't receive my letter. This was the first part of the run around - this has been happening for months. This isn't the first complaint. After about 25 minutes on this last phone call, they stated they did receive it but it appeared that I didn't do it in their particular format. The information was in the incorrect spot. I'm reporting fraud on the inquiries of the accounts, but not that accounts have appeared on my report. I'm ling another report to include the correct information in the correct format as they requested. This complaint is because they refuse to properly report my information and have given my information without my written consent, with no proof of written/live signature from me. I have included the fraudulent account/inquiries, and will also include them in this statement. I stated that Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, I have not given my written consent for my credit to be run or for these inquiries to have appeared on my credit. They are adversely impacting my ability to obtain credit and should be removed immediately. XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX  ( XXXX ) and XXXX XXXX ( XXXX ). I'm tired of Equifax using my report however they want and holding my information hostage.
Consumer complaint received 2023-12-09
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)

Equifax continues to report the XXXX XXXX XXXX XXXX XXXX '' card account ending in XXXX on my Equifax Profile even though the account was reported as a Fraudulent account and deleted by the credit grantor, XXXX XXXX XXXXXXXX XXXX I have provided a letter from XXXX XXXX XXXX which indicates they have found the account to be fraudulent, have closed the account, and have removed the account from my Credit File . I have also submitted an FTC Identity Theft Affidavit that was received by Equifax on XX/XX/2023 indicating that the XXXX XXXX XXXX account IS in fact a Fraudulent account. Additionally, there is a Fraudulent Inquiry by XXXX made on XX/XX/2023 that is also on the FTC ID THEFT AFFIDAVIT that has been disputed several times over this year as fraudulent and has also not been removed..
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (TX)

I never gave verbal or written consent to either companies below..all reporting on XX/XX/23 I filled a written dispute with Equifax and no action was taken on their part. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 605B ( 15 U.S.C. 1681c-2 ) 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  Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.
Consumer complaint received 2023-12-09
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)

To XXXX EQUIFAX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. EQUIFAX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, XXXX XXXX
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$4800.00}, XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

CiTi Bank just want to spy on customers. This new spying practice required to have nice phone that is able to do what CiTi Bank wants it to do. There is no way anymore to use ID and password to get into the account whenever and wherever you are. Now, need to be on the phone with CiTi Bank for hours and they already sent bunch of verifications code on my phone and still it required to get another code by dialing number 1 on dial pad that isn't working for me on my phone. CiTi Bank does not let me another option like email. No, they want what they want and not what I am comfortable with. They want to know where I am right now. They want to know my spot. This is criminal. They want to track my phone. I was hour after hour on the phone and still simply can not get my account number that I needed. The CiTi Bank assisting criminals who violate customer civil and constitutional rights. 
Whatever I complained about before did not get an appropriate investigation. Criminal net is growing against innocent victims. Criminals get covered up. If I got a problem with the phone I got a problem with Bank, like it was last year and at the beginning of this year. When my phone got dysfunctional and I was not able to get into my Bank account. I provided temporary phone number and now the CiTi created a problem by not changing my temporary phone number back to my permanent number. What kind of law allow them to spy on people and create obstacles? I am denying to have that double security on my account through the phone. 
When I am a customer saying that I have fraudulent charges billed to my debit card, they do not respect me they continue to respect fraudulent activity. This is what was happened to me that I have to complain about again to some different organisation because your business did not help. After I promised that I will complaint now they created one more obstacle for me. Now after I put my ID and password I have to put my debit card number and code. It is done to block customers from using their money.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Inn violation of the federal fair credit reporting act, Bank of America, XXXX, XXXX, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on Bank of America financial systems. The report of a late payment of 30 days in XXXX on an account from Bank of America is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Consumer complaint received 2023-12-09
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. (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. 

Account name : 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 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 2024-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America has reported false information to the credit reporting agencies for my credit report for multiple months now : XXXX, XXXX, and XXXX. They have taken over XXXX days to look into this with no response for more information or status updates or any further contact. 
Ultimately their own financial system controlling Auto Pay functionality had an error that did not properly process a payment. They are responsible for that and need to send corrections to all of the reporting agencies to show that NO late or XXXX late payment was ever an issue- all payments with all Bank of America accounts should show as paid on time and in good standing.
Consumer complaint received 2023-12-08
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. (WA)

I sent an identity theft report to Transunion on XX/XX/23 which they received on XX/XX/23 ( certified mail receipt ). The reported items include three credit cards and three hard inquiries which were fraudulently opened and are reporting on my account. I called on XX/XX/23 to follow up as the reported items had not been removed. My understanding is that per 15 USC 1681c-2 fraudulent items due to identity theft are to be removed from my report within 4 business days. These items are causing me to be unable to obtain credit and causing me personal harm and discrimination. I am attaching the letter as well as the IDTR that was sent to Transunion along with copy of items on report, drivers license, social security card and cover letter. 

I was told by the customer service person I spoke with that I had to have the credit card companies remove these items and that their investigation would take 30 days. When I questioned the code and why the other credit reporting agencies abide by the code and removed the items, he stated that transunion does things differently. Was told a supervisor would reach out to me within 3 business days.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Upon paying my credit card off that Ive had with capital one for a year now once I made a payment the payment was posted and withdrawn from my personal checking account for {$160.00} as well as {$150.00}. This payment was posted from capital one to XXXX XXXX XXXX XXXX. On XX/XX/XXXX  I went to a branch to speak to a teller which referred me to a representative who then told me she had no information on my account was closed and she was not allowed to provide any response on a refund or reimbursement of the payments that were taken from my checking account. Ive had this account for 1year now and Ive never in my entire lifetime missed a payment or a bill Ive even paid this bill weeks in advance of its due date just for them to try to steal my money and close my account.