davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing a formal complaint regarding several inaccuracies on my Equifax credit report, which are having a negative impact on my credit score. I have disputed these errors directly with Equifax and attached my dispute letter for reference, but no corrective action has been taken. Specifically, the following items need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is inaccurately reported as a charged-off account with a balance of {$5400.00}. I do not recognize this charge-off or the balance, and I am requesting that it be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrectly listed as a charged-off account with a {$0.00} balance. This account was settled in full, and the charge-off status is inaccurate and misleading. I request that this charge-off be removed as it is not a valid reflection of the accounts status ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed as charged-off with a balance of {$600.00}. This designation is neither accurate nor verifiable, and per the FCRAs standards, I demand that this be removed from my report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as closed by the credit grantor, though this closure was not initiated by me. The closure inaccurately portrays my creditworthiness, and I request that it be corrected to show that the account was closed at my request or removed entirely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is marked as closed by the credit grantor due to inactivity, not due to delinquency. This closure should not negatively impact my credit profile, and I request that Equifax remove or correct this misleading entry ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is also listed as closed by the credit grantor, though this was not due to any negative activity on my part. The current reporting unfairly impacts my credit score, and I request that it be updated or removed in compliance with the FCRA. Despite my efforts to resolve these issues directly with Equifax, no verification or corrective action has been provided, and these erroneous entries remain on my credit report. I am requesting the CFPBs intervention to ensure that Equifax adheres to the FCRAs requirements for maintaining accurate and verifiable information. Please investigate these items and take the necessary steps to correct or remove them. I have attached my formal dispute letter for your reference.
Consumer complaint received 2023-03-29
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  : {$1600.00} XXXX XXXX  XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX  : {$0.00}
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Re : Case XXXX On XX/XX/XXXX I purchased tickets for admission the same night of XX/XX/XXXX to the event XXXX XXXX XXXX XXXXXXXX. Upon arrival at the venue we were denied admittance because the event had been canceled due to a XXXX  incident. 

The same night I contacted XXXX at XXXX to notify them about the issue. They had the fair organizer contacting me via email on XX/XX/XXXX offering me admittance another night ( email communication attached ). This was not acceptable to me as I was leaving town in the morning. 

After requesting a refund from XXXX they denied it on XX/XX/XXXX because according to them the event in question does not appear to be canceled. After I made this request for a credit refund they did not respond. 

As proof of the actual cancellation of the event, I am attaching two newspaper articles from XXXX XXXX and the XXXX XXXX describing the events that lead to the cancellation of the fair on XX/XX/XXXX. Both articles are available online. 

Since the event was canceled and I was denied a refund by the merchant. I contacted Capital One a few days later in order to file a dispute. Since that time, I have contacted Capital One on multiple occasions trying to solve this problem. On XX/XX/XXXX, after contacting Capital One over the phone regarding their response letter dated XX/XX/XXXX I was informed that the case was being escalated and that it would be reopened. In a couple of phone calls after that, I was reassured over the phone that the case was being reopened. It seems that nobody worked on this for three months. On my last phone call on XX/XX/XXXX I was instructed for the second time ( I did this before ) to write a letter stating my claim with very specific wording. I wrote the letter stating exactly what I was told to write only to receive a letter stating that my response lacks the " previously requested information ''. 

The facts are that I was charged {$33.00} by the merchant for a service that I never received. I have wasted more than three months pursuing this claim where it is extremely clear that it is a valid claim and that I have submitted proof that the event was cancelled that night. 

The fact that from XX/XX/XXXX until my phone call on XX/XX/XXXX nothing was done, even though I was told that somebody would get back to me is appalling.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC. (IL)

Was pre approved for a set amount. Went through the entire process just to have them do a hard pull and then get denied. I would have never even given them the time of day if I wasn't going to get approved. I've never not had a hard pull where I wasn't approved. This is the first time this has happened and it is deceptive in giving me all these quotes on what I was pre approved for. Shady business practices
Consumer complaint received 2024-09-25
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: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/XXXX an retaliatory hard inquiry made due to cfpb complain XXXX. When calling citizens, they stated they didn't make the inquiry and they only make one inquiry per month which was on XX/XX/XXXX when they stated my personal information didn't match my credit report. Citizens is blaming XXXX for two inquiries two weeks apart. Didn't apply for any loans to justify the second inquiry on XX/XX/XXXX. Only logical source for the inquiry is citizens trying to " resolve '' the prior cfpb complaint XXXX and made an additional hard inquiry on my credit report. 

Since per citizens that I'm not who I say I am and that my social security number is invalid, they need to remove both hard inquiries from my XXXX report.
Consumer complaint received 2023-04-13
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. (DC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-05
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
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 was called to my XXXX XXXX XXXX, and i was told i my XXXX money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is XXXX  where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a college student, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting a complaint with you today to notify you that I have fallen victim to identity theft. After reviewing my credit report, I was dismayed to discover multiple items that I did not open and have no knowledge of. In my research on how to rectify this, I learned that I need to file a report with the Federal Trade Commission ( FTC ) or visit their website at https : //www.ftc.gov to take necessary action. As per Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove any accounts and information listed on an Identity Theft Report. I have attached the necessary documents to facilitate the blocking of the erroneous information that has been added to my credit report without my consent. The following items are not authorized by me and do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in a consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent a letter to the bank regarding claim # XXXX This transaction is fraud and under UCC section 4-401 the bank needs to put the funds back into my account.

The bank has not credited my account, and therefore they are violating UCC section 4-401
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been paying my business credit card payment early, always above the minum payment. I have had no activity on the card in more than two years, just paying on a low balance. I finally closed the card account just over a year ago.

I have been paying the business card payment from my personal Bank of America Account since I closed my business more than two years ago. 
My XXXX payment was due on XX/XX/XXXX, minimum payment due was {$160.00}.

I paid it, early as usual, on XX/XX/XXXX. and paid {$200.00}. On XX/XX/XXXX, I logged onto my account to view my balance and noticed a debit charge " in process '' Description PAYMENT TO ACCOUNT XXXX XXXX ON XX/XX/XXXX VIA CALL AGENT for {$160.00}. 
I called bank of America and spoke with customer service they had no idea what the charge was where it came from and offered no explanation. I recognized the last 4 digits of the account number to be my CLOSED card account that I have been paying on. I called Business services and after researching and letting the customer service rep that I had NOT set up any auto debit. I manually pay early monthly etc. She places me on hold, comes back and tells me that Bank of America DEBITED my PERSONAL account to pay my monthly credit card payment on my BUSINESS account.

I asked WHY, I have never been late, always early and pay over the minum balance. THEN she informs me that they have been doing this for the past 14 months!!!!! DOUBLE DIPPING. I have been paying them and they have been extracting the monthly minimum payment from my account. No one contacted me by mail, by email, by phone - and asked they just simply started debiting my personal account. 
I have been preoccupied with the recent XXXX XXXX XXXX XXXX  of my husband and have not been monitoring the account closely. Needless to say, I was in tears. HOW IS THIS LEGAL? I could understand If I were late, skipping payments, but I HAVE NEVER BEEN LATE.
Consumer complaint received 2024-10-16
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. (ND)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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. 15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-10-24
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. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experiam has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2023-04-13
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. (TX)

This is now my THIRD complaint against Equifax regarding account XXXX. Equifax in their last response stated that they mailed me results of their investigation. The problem with this is I submitted new information in my last complaint. XXXX XXXX XXXX explained that the account was placed with " XXXX XXXX XXXX XXXX XX/XX/2018 because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. However Equifax is allowing this account to show that it was with XXXX from the time it was opened to close. IN addition the practices that XXXX and XXXX XXXX Used directly violates the FDCPA. In my last complaint I included the letter I received from XXXX explaining the account as well as the FDCPA and instead of Equifax looking at the information they gave me a generated automatic response. As a consumer I have the right to a credit report that is 100 % accurate. When a consumer submits a complaint the Company is supposed to look at all documentation in connection with the complaint and then make a decision. Equifax did not do that. Until now I have kept all of my complaints private in hopes that we can get this resolved but I see now that Equifax allow malpractice in handling complaints and disputes. This leads me to believe that they have done this to several people. So this complaint will now be public in an effort to encourage others not to be bullied by Equifax and when something is inaccurate on their Credit Profile the Bureaus have a duty to correct it. We all have the right to a Credit Report that is 100 % accurate and also have the right to dispute inaccurate information on our credit report according to the FCRA. I understand that disputes can be time consuming and may cost the Bureaus however it is their job and duty. I will be including the last complaint with this, along with the letter from XXXX admitting that they did not have the account and I spoke with a third party who also didn't honor their agreement thus violating the FDCPA which then means this account isn't verified. It is inaccurate and needs to be removed IMMEDIATELY.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
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: Shellpoint Partners, LLC (IL)

In XX/XX/year>, my mortgage was transferred to Newrez. During the transition, my payment was not forwarded by the previous servicer, XXXX XXXX, to Newrez. Instead, the funds I submitted were returned to my account, resulting in Newrez not receiving the payment. Consequently, they incorrectly reported my account as being over 30 days delinquent. I have never missed a payment in over 20 years. Despite multiple attempts to resolve this with Newrez, they have remained unresponsive. Additionally, Newrez has repeatedly attempted to charge me late fees for supposedly receiving late payments, even though all of my checks were sent electronically and dated prior to the due dates. Documentation and statements available upon request.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

To : XXXX, XXXX, XXXX Credit Report Companies I went to my mailbox on XXXX, I saw a ligation from XXXX XXXX XXXX XXXX Stating i was being sued for XXXX by Citi-Bank which I have Several debit card accounts.. I don't recall ever having a credit card, I went to the court to investigate, Only to find out I was being sued. I wasn't informed prior as a valued customer who no history delayed payment, see credit report history. Also, I tried reaching out Citi 's legal dept, without sucessI never received a call. I tried to reach Citibank with no success. Also the Company they signed the Dept to without my awareness. I can't recall signing a contract.Also I did not give CitiBank the authority to give my inforamtion CiTi Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed a/c # XXXX XXXX XXXX ( XX/XX/XXXX ) ( multiple card Numbers ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NY XXXX XXXX all the banks in the courtroom. 
According to 15USC-1692C The law clearly states if the consumer notifies the collector he/she /him/they refues to pay .The collector should cease all communication with the consumer
Consumer complaint received 2023-03-29
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.