davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (NY)

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws.

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I opened a PayPal account so my electric company could send me smart rewards every month. I also linked it to my checking account so I could transfer my balance periodically. PayPal verified my checking account and I transferred once or twice. I recently tried to transfer my balance and was alerted that my account had been limited. In order to resolve the limitation I am required to provide them a copy of a government ID with a photo, AND, verify my address, AND send them a copy of my bank statement. 

I think this is outrageous I see no reason they need that information, and am concerned about the security of having all that info on file. 

I called this morning and their customer service rep said I can not close my account while there is a balance ( I have {$20.00} credit ) and they will not allow me to transfer my credit until this is resolved ( ie : until I provide all the above information ). I don't care about the {$20.00}, but I do care about having a credit card and bank account information on file with them.
Consumer complaint received 2023-07-23
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

Im a XXXX XXXX. I was defrauded and scammed by a company that employed me. I had alerted both Citi Bank and XXXXXXXX XXXX. In addition I have filed complaints with the XXXX XXXX police, the FBI, the Department of Justice, the Secret Service I had perfect credit! 
XXXX XXXX completely understood the issues and has appreciated and treated me with dignity. Issued a new card and is working with me. 
Citi Bank, has treated me as if I was the criminal. They closed not only the account involved but my second account which was in effected. They have made false statements to the credit bureaus and are defaming my good name and credit. I even sent all of the documents to XXXX XXXX, XXXX of Citi Group in NY. She has not responded and in fact Citi continues to treat me like the criminal and fraudster. Im meeting with an attorney tomorrow. This is the short of a long saga, but I suggest people should be aware of how Citi Bank treats their customers, especially a XXXX XXXX  with perfect credit.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have discovered that Equifax has added accounts to my consumer report that are a result of an alleged identity theft. These accounts contain details that have no connection to any of my transactions, and I did not gain any benefits from them. To tackle this issue, I sent Equifax a written correspondence that provided evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement, as required by law. According to the law, Equifax is obliged to block and remove the accounts within four business days from the date they received my notice.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. 
If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Consumer complaint received 2024-10-09
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesEquifax, XXXX, and XXXXon multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal law.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (IA)

All access NetSpend sent me two credit cards I did not apply for with an actual credit card number on it and my name and then in order to be taken off of their mailing list and to deactivate this card or remove me from this card they want me to put the card number in over the phone it says it would not activate the card but I didn't want to take the chance This seems a lot like fishing that they would send you a card with your actual name on it and a credit card number through XXXX.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MO)

XXXX XXXX has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXX has a late payment on my credit report ; XXXXFirst Progress has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Consumer complaint received 2024-08-11
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. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-02
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. (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. 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. I have not given consent to have my information published.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have been trying to do a loan modification with Ocwen bank since XXXX of 2014. I have been given the run around and submitting the same items and a complete file multiple times. All of this time they said I do n't have a complete file. XXXX of the reps, XXXX XXXX, from the loss mitigation department suggested that I send in a letter requesting to cancel the modification and restart the process. He suggested I wait a week before I resubmitted my file. Then the bank put the home on auction to be sold. The rep said do n't worry he can post pone the sale as soon as the file was uploaded. The sale was postponed for 45 days but then XXXX days after receiving my complete file they denied me for a loan mod for reasons that the investor would n't allow it. 

I asked if I could then sell the property to avoid foreclosure and they said there is n't enough time but that I could try. 

I simply want to be able to avoid foreclosure and be given the time to list the home and sell it out right.
Consumer complaint received 2023-08-14
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)

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 The Better Business Bureau, 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 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you
Consumer complaint received 2023-01-31
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (CA)

I have an ADP Wisely pay / debit card. 

On XX/XX/23 some fraudulent charges had just automatically started to drain from my account, thankfully not much but it is still alarming. Especially when the vendor is saying XXXX XXXX XXXX. 

XXXX does not have this card on file, or any card that I can think of. So it is obviously a scam of transactions. I looked it up and there are many complaints stating these charges are scams. 

I started the dispute the same day. Card has been replaced since. But what we were not immediately told, is that it will take up to 45 days ( including up to 90 days ) to not only complete the investigation but to see the funds returned. Does this not mean that due to the limitations, I may never get my money back? This is my complaint. 

Upon research, many places say up to 10 days the funds should be returned for a debit card, I have a debit card. Even if it is temporary, and the charges are determined to be legitimate. Which in this case, I neither approved nor knew about these charges. I happened to be on my account when I noticed it. I'm glad I did, because the charges could have gone on! It started at {$15.00}, {$15.00}, then {$5.00} and {$5.00} and the charges are small so that they stay under the radar and not get caught.