davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In early XXXXXXXX XXXX XXXXXXXX, I was stricken with XXXX, I was hospitalized and put on a ventilator and almost lost my life. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau may have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.
Consumer complaint received 2024-10-07
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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-04
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. (NY)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Our business bank account was closed by XXXX XXXX corporate back office due to our non-profit 's CA XXXX status being suspended in XXXX. This was discovered when a change of ownership on the account was made XX/XX/XXXX. At that time actions by the non-profit had already been made to correct the status. Wells Fargo Corporate office refused to wait for the process to complete. The account was frozen with no transactions allowed by a Wells Fargo applied extension that was incorrectly classified as HOLD account instead of XXXX banking. At that time a request to close the account and disburse funds was made. Initially the request was refused. Reason given was HOLD extension was in place. The request to disburse funds was ignored till XXXX  XXXX was contacted XX/XX/XXXX. Surprisingly the account was closed XX/XX/XXXX prior to expiration of extension. Check cut on XX/XX/XXXX. 

Ultimately, all efforts to clear our tax status with CA XXXX, the one Wells Fargo is willing to accept, are delayed due to the banks continued disregard for the consequences, to its customers especially, caused by their decisions. Their callous actions caused the checks written for tax return fees to be rejected. Delaying restoration limits the ability to fund-raise effectively. 

Currently, we are a restored non-profit charitable entity with both the IRS and the DOJ of CA ( Attorney Generals office ). The IRS letter granting restoration status was provided to a Wells Fargo representative handling the case on XX/XX/XXXX, prior to the account 's closure. 

Rhetorical question : If the Federal and State AG 's office recognizes a non-profit 's status and grants all charitable rights, wouldn't it make sense that those agencies ' approval would be enough to resolve the bank 's CA XXXX concerns?
Consumer complaint received 2024-10-04
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. (OK)

After multiple attempts with disputing unauthorized accounts with the fraud department I have not received any requested documentation connecting me to any of the accounts being disputed. I have run into issues with XXXXXXXX XXXX upload portal to provide follow up documentation and when I called to resolve the issue I was met with an agent responding with the website seems to be having some sort of " lag ''. His advice was to continue attempting the upload and that he could close my dispute and reopen them to restart the investigation thus giving the creditor yet a fresh 30 day resolution time. The consumer reporting agencies are violating my consumer rights under 18 U.S. Code 1028A as I have reported to the agencies that I have filed now multiple IDENTITY THEFT REPORTS with the FTC and still no resolution as they respond they aren't able to verify the document even when provided the REFERENCE NUMBER.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to first explain to you, that I have found errors in my consumer report. After looking at a copy of my credit report. The credit report showed incorrect information by your company that I do not authorize. Per 15 USC 1681 B Permissible Purposes, you need my approval to place any information on my credit report. Also, per 15 USC 1681 EB Compliance procedures, you have to be 100 % accurate you are not accurate.
Consumer complaint received 2024-10-04
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. (CT)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-20
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. (MS)

This is my refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I had numerous medical procedures with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Georgia, now doing business as XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I am insured, and my insurance has paid every bill submitted by the provider. On XX/XX/2023, I had a procedure that was billed to insurance in the amount of {$17000.00}. XXXX XXXX XXXX XXXX XXXX has negotiated discounts with this provider, and the amount discounted was {$14000.00}. On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX the amount of {$2300.00}, leaving a XXXX balance, as confirmed by the Credence Explanation of Benefits. Notwithstanding the payment in full, and after hundreds of harassing calls by the vein clinic where numerous times they acknowledged payment and that it was an accounting error by their billing department ( as recently as today ), XXXX XXXX has now referred this claim over to a collection agency, without even sending any notice or documentation at all since XXXX of this year. I provided a written email to the billing address attaching the Explanation of Benefits and documenting XXXX XXXX representatives harassing behavior and never received any response beyond a note that it was under review. I have provided the EOB several times in writing. XXXX XXXX XXXX XXXX XXXX has held numerous phone calls with XXXX XXXX where XXXX XXXX has confirmed no amounts are owed by me, but XXXX Vein nonetheless has continued to pursue this baseless claim. On numerous occasions I have called to attempt to resolve the matter, and am always told it will need to go to a supervisor, but it never gets resolved. I have an email from XXXX of their representatives on XX/XX/2023 stating that They have detected the main XXXX issue and their [ sic ] now sending it to XXXX XXXX to review, this [ sic ] are the notes. Account was Adjusted incorrectly by XXXX, resent account to Upper Management to Resolve Issue and Adjust Account. But the calls continued. Their agents have been threatening at times, including to a Credence representative who documented the behavior. I am at a loss to get them to stop harassing me and withdraw the claim, and am afraid this baseless claim will negatively impact my credit.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (ME)

I disputed a transaction on my spending report due to the seller, not providing a refund. I hoped Robinhood could assist me in getting the money I needed back from them. Soon after I disputed the transaction, my account was restricted when I contacted them to unrestricted my account, they claimed my information does not match Whats on file. So now I am sure they are restricting my account because of that. They emailed me saying the dispute over the refund is resolved and there is no issues regarding that now yet my account is still restricted and I can not do anything because they claim Im not who I say I am. I have been contacting them endlessly for over 10 days and they have sent me generic auto generated emails requesting information which I provide, and then they dont respond. I have veteran benefits from the government going into this account that I can not access because they will not let me. These benefits are necessary for my education and I will not be able to graduate which is scheduled for XX/XX/XXXX because of this. this funding is needed. Robinhood never provided a reason for the account restriction has not responded to me with any information or responded to any of the things I have provided them, which is everything theyve asked. I have done facial scans uploaded my IDs and XXXX  from other bank accounts, and they still will not get back to me even though this is everything they have requested. Every single time I contact them I am told that my information does not match what they have on file yet my information is 100 % correct and Ive gone back and looked at the text documents and other forms from Robinhood and the information providing matches exactly so there shouldnt be any issues and I need these VA benefits. The original issue is over a disputed transaction which has since been resolved. If my account is restricted because of my identity issues, they need to communicate that to me and allow me other options If the three theyve given me somehow arent enough. I need this restriction lifted and they will not provide me an avenue to do so. Please note the disputed transaction this original arose from resolved on the 21st. Yet my account is inaccessible and they refuse to offer me any support despite me identifying myself in every way they have requested. They do not reply and tell me if what Im supplying is accepted or if they need more/something else. I am stuck in the same cycle and they have no brick and mortar location to resolve this at.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA (CA)

I sent someone XXXX dollars with XXXX XXXX on XX/XX/year> they accepted it no problem then they sent me XXXX dollars back right away I tried to accept it and it told me to verify my account. I did all the steps correct and they said my account is restricted. I called XXXX XXXX support and they looked at my account and said it was permanently restricted because of a business decision. I asked if there was anything else I could do to get it unrestricted and they said no its a permanent restriction but I can still use the balance I have already in my wallet I just cant send and receive money.
Consumer complaint received 2024-10-03
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I received a text XXXX about an unauthorized purchase. Once declined person named XXXX called at XXXX posed, as a XXXX XXXX XXXX fraud. They convinced me to wire transfer {$9500.00} wire transfer from my XXXX XXXX  XXXX XXXX to Truist account ending in XXXX. This was done on XX/XX/year> around XXXXXXXX XXXX EST. 

I did contact XXXX XXXX XXXXXXXX Fraud and placed a claim with them. 

I called XXXX XXXX but not remembering the account information there was nothing they can do at this time.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Company refuses to close my account over the phone. I assume this is in retaliation to previous complaint. Company permitted me to open my account online, performed bait and switch promotion scheme, now refuses to close my account. They claim that I am required to go in branch to close account. I can not find record of my agreeing to those terms.
Consumer complaint received 2024-09-16
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS IDEAL CARS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESIDENT VERIFY Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DT CREDIT Date of inquiry : XX/XX/XXXX Please remove it from my credit report.