davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
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)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (IN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Central Portfolio Control Inc. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reported to all the credit bureau information l don't owe. Which l request a bill with name. As proof instead the XXXXXXXX XXXX send bill instead they provided written letter Who also hired XXXX collections agents and also collection agencies name XXXX whom also request same amount money. Whom provided XXXX with the Name on the account which doesn't match which 2 or three different names. Then XXXX XXXX on the XXXX .my Wisconsin Driver license attract
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (NJ)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

BB & T Bank located at XXXX XXXX XXXX, XXXX, PA XXXX utilizes the same double-dipping scheme to harvest junk fees that XXXX XXXX XXXXXXXX was just fined {$100.00} XXXX dollars for and should be investigated immediately. On XX/XX/2018, I submitted a complaint to BB & T via email as I was excessively charged overdraft fees because my job delayed my direct deposit for one day, which was out of my control. BB & T illegally double dipped on the overdraft fee and refused to refund it. The illegal excessive fees resulted in my account balance dropping to - {$96.00}. I was in need of medical attention and was unable to see a doctor because of the illegal excessive fees. I stated I would close my account if they do not at least refund the second excessive charge, and they still refused to refund the illegal fee. When I drove to the location to close my account, they refused to close my account.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXX  I have purchased a plane ticket with a Chase Ink credit card. The total amount was {$1000.00}. 
On XXXX XXXX that ticket was changed to one with a lower price and the amount of {$340.00} was supposed to be refunded or issued as a credit by the airline XXXX XXXX XXXX XXXX or the travel agency ( XXXX ). That refund was never issued and I only discovered that at the end of XXXX XXXX. Since then I have been in contact with both the airline and the travel agency and they keep bouncing me between them. 
On XX/XX/, with my patience running out I contacted Chase Bank, the issuer of the credit card, to dispute the transaction as an overcharge of {$340.00}, but I was told that I had only some 120 days to make this dispute. 
This information is not displayed anywhere in their card benefits section though XXXX XXXX XXXX XXXX XXXX  The only thing mentioned about Zero Liability Protection is " You wont be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card ''. There is no mentioning of the 120 days limit. 

The only mentioning of a 120 days limit is under Purchase Protection, a benefit which covers " personal property that has been damaged, stolen, or involuntary and accidental parting with property '', which is not applicable to an overcharge dispute.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (FL)

In XXXXXXXX XXXX XXXX my credit was ran multiple times and I went in the dealership with a credit and specifically said do not run my credit. But they ran my credit 23 different times.I went to them explaining what I was seeing on my credit report. And they sent a first that was very vague about the removal of these inquires. So I went and had another letter sent with the details of the inquires that the dealership put on my credit.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (VA)

I submitted complaint # XXXX against PNC Bank for wiping away $ XXXX of credit after I had paid the balances snd been a loyal customer of over 20 years. The person at PNC could offer no assistance instead relying on what an outdated credit report stated. I know that PNC had the ability to override that decision, but seem to be unwilling to do so. I explained I am on a fixed income snd depended on the credit for my living expenses. There was no sympathy whatsoever from PNC.
Consumer complaint received 2024-08-12
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-21
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: General Motors Financial Company, Inc. (FL)

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
GM FINANCIAL XXXX and GM FINANCIAL XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to request the deletion of fraudulent hard inquiries from my Transunion credit report. As a victim of identity theft, these inquiries were made without my consent, and I have taken immediate action to rectify the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As you can see from the list of hard inquiries provided, numerous inquiries were made in a short period of time, which is highly irregular for my credit history. The inquiries were made by various banks, auto finance companies, and other institutions that I have never dealt with before. This is evidence of fraudulent activity, which I promptly reported to the appropriate authorities. 

I take my credit score and financial reputation very seriously, and I have been vigilant in monitoring my credit report for any suspicious activity. As soon as I noticed the hard inquiries, I contacted the credit bureau. 

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or fraudulent information on my credit report. These fraudulent hard inquiries are not representative of my credit history or creditworthiness, and they are unfairly affecting my credit score. I respectfully request that you delete these fraudulent inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and restoring my credit report to its accurate and correct state. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-04
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. (NJ)

Hello cfpb This account was charged off on the following date XXXX, 2020. Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-04
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. (MN)

I observed on my transunion credit bureau report that there was a fraud unauthorized account that appeared on my credit report with a company called XXXX XXXX. I contacted Transunion multiple times and they are not in compliance with FCRA.
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-16
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. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-04
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-04
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. (CA)

Formal Complaint Regarding Equifax Credit File Inaccuracies and Negligence in Investigation To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report, specifically related to accounts attributed to creditor EXTRA. These accounts show identical details, including account numbers, opening dates, and closing dates, which clearly indicates inaccurate reporting. Despite bringing this to Equifax 's attention in disputes filed on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, the erroneous information remains on my file. 

The inaccurate reporting has severely impacted my credit score, leading to denials for personal loans, car loans, and student loans, hindering my academic pursuits and causing me to miss out on multiple job opportunities. 

I am deeply concerned about the repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Equifax. The failure to conduct a proper investigation and correct the inaccuracies in my credit file demonstrates a lack of accountability. Unless significant punitive and other damages are imposed, Equifax will likely continue to disregard the laws that are meant to protect consumers like me. 

I demand immediate action to rectify the inaccuracies on my credit report and request monetary relief for the damages incurred due to Equifax 's negligence and violation of federal laws. There's several violations here that the laws require a {$1000.00} in relief to be paid for damages for each time each violation occured. 

As the evidence will show these violations occured several times. 

I implore the CFPB to assert the authority granted to them protect consumers like me. To uphold the law and to use all of the power and resources available to the bearu to hold Equifax accountable by demanding prompt payment of relief be paid to for the damages I had to endure over no less than a 3 year period.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to XXXX asking them to reinvestigate the completeness and accuracy of my accounts here is my tracking number : XXXX waited the required amount time, I They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (KY)

While I was deployed ( XXXX XXXX XXXX ) I called One Main because my pay was getting messed up and I wanted to set up a payment plan with them to keep my account from becoming delinquent. I called them multiple times because they were struggling to understand my situation and provided me with the appropriate assistance to help me in my financial crisis. One Main told me that my account was up to date but still reported that my payment was late.
Consumer complaint received 2024-05-04
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

According to the XXXX  an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX [ cancellation of debt ] from the following charge off accounts listed below XXXX XXXX XXXX XXXX XXXX after checking my most current credit report the update information stated the account was purchased by XXXX XXXX XXXX this can not be reported a charge off twice on my credit report the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2024-05-04
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-01-30
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.