davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

my name is XXXX XXXX on XXXX I called and complained about my internet service with XXXX XXXX. Which I didn't have service for 4 days prior, so I called them back on XXXX to pay for current bill which they gave me a credit for days I was without service.They tried to make me pay the full bill which the total included a month in advance charges which I told them that since I was canceling my service with them the balance was incorrect. The customer rep replied saying that I had to still pay for a month in advance service even though I didn't have the service no more. Which my service with XXXX began XXXX XXXX the same day I paid XXXX  for service for XXXX XXXX. XXXX continues to send me a debt collection for {$46.00} with past due date of XX/XX/23 and final due date XX/XX/23. Which as of XXXX I no longer had active service with XXXX due to service outage which is why I cancelled and paid my remaining monthly bill and began my internet service with XXXX as of XXXX. I no longer had internet service with XXXX and they refuse to return {$75.00} instillation fee I was charged by them for installing which they ran a cord from outside through my window, which I had to complete the installation due to Covid 19 but never returned to officially install wiring for which they charged me in XXXXAttached is a letter from XXXX  and a screenshot of my first XXXX bill which includes date service began, also attached is collection letter from Credit Collection Services
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-06-03
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: LEXISNEXIS (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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified TransUnion, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.
Consumer complaint received 2023-05-26
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. (AR)

I am submitting my complain again for you to notify about the fraudulent items that are still reporting on my credit file. 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. The following items should be deleted right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
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. (PA)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reporting me XXXX  days late in XX/XX/2022. There was an error on their part. I was never XXXX  days late.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
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. (VA)

I have fraudulent inquiries on my Credit Bureau Report with Equifax as well as XXXX. However, in this report we will address Equifax specifically. I've reached out to Equifax Credit Bureau in regards to XXXX XXXX Inquiries on my file. I have not applied to any of the following XXXX XXXX : XXXX. XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX Equifax refused to remove the Fraudulent Inquiries unless I submitted a complaint with you guys, but I called a couple days prior and the representative I spoke with advised the inquiries would be removed within XXXX hours, but they were not removed. The representative even provided me with a confirmation number to confirm they will be removed : XXXX Please advise and get the fraudulent inquiries removed off my Equifax Credit Report at your earliest convenience. Thank you
Consumer complaint received 2023-05-08
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. (PA)

Transunion XXXX XXXX and XXXX are both reporting that I had an account with XXXX XXXX XXXX . I never opened an account with them. According to the Fair Credit Reporting Act ( FCRA ) Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/21 Original Balance : {$520.00}
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-26
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. (VA)

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.

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 inductions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/2023, I wanted to get rates for Citizens Access CD. Since I was already in my account online, I entered 2 year cd and it asked for the amount I wanted to put in, which I did. When I pressed next, I was locked into that CD rate. I have never had that before. When I am going to lock in, it asked me if I want to lock in. No rate was quoted, just locked in and my money taken out of my savings account right away. 

I called the next day and spoke to a supervisor, XXXX, at the call center. She denied my request to cancel without a penalty. 
I then submitted a claim to the Office of the Controller and spoke to : XXXX. She called back and told me my request was denied, that I could see the rate online, which is incorrect. 

There is nowhere advising me of the rate before I was quickly locked in by Citizens Access. 

To explain the screens : When I was going through the screens, and put in the information amount, it said continue, which I followed the prompt. ( on the bottom it say see rates, but I did not see it, since the continue button was much bigger ). I kept on continuing to see the rates and they never appeared, just the next button locked me in. 

I have opened many CD and have never been locked in without giving the rate and asking if I wished to continue. I think it is wrong that no where in the screens did the rate appear, just all of a sudden, I pressed next and was locked in without any options to not open the CD. 

I do not feel it is right that I should forfeit 6 months of interest and a XXXX penalty because the rate was not made clear before I locked in. 
I feel that I should have been able to get out of the CD without being penalized for non advertising, in other words, rate just not being disclosed. 

I have submitted a screen shot that shows : 2 year CD and continue but does not show the actual rate, which is the basis of my complaint.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consumer credit card account with XXXX XXXX has reported a late payment on. I have called XXXX XXXX to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. (SC)

I have been having an on-going issue with Equifax for the past year. The company has been reporting XXXX separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Equifax a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last XXXX disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.