davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : XXXX XXXX XXXX suitable identification proof ; XXXX XXXX XXXX a copy of an identity theft report ; XXXX XXXX XXXX  the consumer 's identification of the relevant information; and XXXX XXXX XXXX a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I already opened a claim with cfpb and now Bank of America closed my accounts and I spoke with someone named XXXX from correspond team saying this and that now they closed my account because they didnt want to give me my fund from other claim and they credit the money and then took it away again and they give me a full refund after I open the claim with cfpb XXXX weeks later funds were reversed and they adjusted things and I was negative XXXX in checking account and negative in saving I dont recall maybe XXXX now I had a problem also again open a claim and they closed my account and I reopened a cfpb report and they approved the funds and now they took XXXX and XXXX XXXX cant even see why they just send money why would they be able to charge u money of your account is closed and you cant even get money out a my a brunch I had XXXX in saving now its only XXXX something the agent said after all they took Im reporting all this cause I have letters and all the proof since the beginning of my first claim that I been struggling to pay my bills ever since I will proceed legally cause Im so tired of Bank of America last statement has XXXX and something I have already send all info to my lawyer why can they move your money and send and a send letters about taking your money because fees or money owed but you cant even touch your own money and they close your account due to there mistakes
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I called XXXX XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. XXXX had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The XXXX website states, " The status of your student loan ( s ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my credit score at all three credit reporting agencies as of 1.18.24 ( Equifax, XXXX, and XXXX ) and my XXXX account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Hello, my federal student loans are serviced by Mohela. I have been trying to make a payment on the loan for months and each time Mohela sends me a letter stating that my payment has been returned. I then call my bank ( XXXX XXXX ) and ask Mohela has asked to take the money from my account and they always say they haven't seen any charge requests from Mohela. This is frustrating because my loan is accruing interest and I now owe an additional XXXX XXXX in interest because Mohela will not take my money. Now that student loan repayments have officially started, i'm concerned that my account will also incur late fees. Mohela has not been any help. I have double checked the bank account numbers multiple times to verify they are correct. 

Thank you for your time and assistance with this. It's greatly appreciated!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Deposited {$4600.00} in atm machine. Machine started counting cash, then completely turned off screen went black, no help from branch manager. Suggested I call and file a claim. Called to file a claim, Bank of America is not providing a temporary credit, is not helping, no urgency. Is asking me to wait to investigate.
Consumer complaint received 2023-05-03
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. (FL)

I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from XXXX that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left XXXX with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that XXXX had reported my account as a " charge-off '' status, this was not the case as the letter I received from XXXX ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this XXXX account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (KY)

I am making a complaint against GreenSky , LLC. 

On XX/XX/2024, GreenSky allowed XXXX XXXX of XXXX to take out a loan in our name without a signature from my husband or me on any financing documents. We were not given, nor did we sign financing documents on XX/XX/2024. We did not receive the Truth in Lending Act documents laying out the initial cost, financing charge, interest rate or final cost from GreenSky, until after the XXXX cancellation period had passed. GreenSky used the XX/XX/XXXX date of the XXXX  Agreement, which meant the right to cancel passed on the midnight of XXXX XXXX received the Truth in Lending Disclosure from GreenSky on XX/XX/2024, with the total loan amount, we contacted GreenSky and XXXX the loan immediately. 

By that time, GreenSky had already paid XXXX {$21000.00}. I told them to stop and not to pay XXXX another dollar that we had not agreed to the terms imposed by the bank loan. GreenSky then grabbed back {$10000.00} of the {$21000.00} they had sent to XXXX.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-22
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. (CA)

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful anxiety caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX 2024 the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-22
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. (MD)

I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : 1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 2.XXXX XXXX Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was affected by the Equifax data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit report effectively XXXX attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include Equifax, XXXX and XXXX.
Consumer complaint received 2024-04-30
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Writing a complaint towards Creditor XXXX XXXX regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau . 

XXXX XXXX has violated my consumer laws below 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) 2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Use of false, misleading, misrepresentation, and deceptive means 4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency under violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I have send previous dispute letters to resolve the issues, longer than 90 days previously as well and still to resolution.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (WI)

I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX XXXX, account # 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 an account without my written instructions.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2021. This is falsifiable information that I did not consent to be reported. By law 15 U.S. Code 1681b.

Please remove the item mentioned above.
Consumer complaint received 2023-05-03
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed XXXX {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TN)

Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-05-03
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. (SC)

I sent a dispute on this with the consumer credit reporting agencies. My understanding a settled account can not be listed as a charge-off on the credit report. Currently, this is reporting as a charge off with the following comments : Payment after charge off/collection settled-less than full balance. However, the settlement agreement that was emailed and the completion made no reference to this being listed as a charge-off. I need the credit file to be updated exactly as promised or deleted if it can not. I have attached the emails showing the promises made by opp loans once I completed the settlement. I feel like the company is negligent in how they updated the information because it should have been updated as agreed in the settlement offer.