davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV INC. (KS)

I received a letter from Fiserv dated XX/XX/year> stating they could not process an online bill pay I made to my credit card on XX/XX/year>. I used my bank 's online bill pay service for the first time on for this transaction. The letter stated it had frozen my account and I needed to call to reinstate services. The number called was XXXX. I provided the information requested by the prompts ( SSN and account number ), was told someone would come on the phone to help but the line went dead. The letter stated fees would be deducted from my account to pay for the transaction. The letter also stated it was an attempt to collect a debt which I do not owe to Fiserv, I do not know how they received my mailing address. 
The issue was an online payment to XXXX XXXX credit card for {$4600.00} withdrawn from my XXXX XXXX XXXX XXXX account made on XX/XX/year>. XXXX XXXX notified me by email that the transaction had been reversed. I emailed XXXX on XX/XX/year> to inform them of this issue and to ask them not to process any payments from my account to Fiserv. 
Other than the one attempt to call Fiserv at the number provided, I have not had further contact with them. I fear this is a scam and identity theft attempt from Fiserv. The address for the company on the letter is XXXX XXXX XXXXXXXX, XXXX Oh XXXX. 
































XXXX
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-14
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-14
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt reporting correcuy.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

Please help me secure from US Bank ( USB ) {$210.00} owed to me by them for over 5 months plus {$20.00} for loss of use of those funds. On XXXX the XXXX XXXX XXXX reversed ( in full ) a XXXX charge to my USB credit card for {$220.00}. A dispute form was received by them onXXXX : USB Case ID XXXX. Despite repeated phone calls to USB ( XXXX, XXXX, XXXX ), they have refused to credit my account for the full amount despite my having paid the full amount on time. Details are in the attached PDF.
Consumer complaint received 2024-05-14
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. (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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-01
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. (VA)

In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My mom received a call from XXXX XXXX XXXX and XXXX on XX/XX/XXXX and they told her that I had listed her as a reference and to have me contact them. 

I called them and found out that they were trying to collect debt from XXXX for a credit card I supposedly had and hadn't paid on. I explained that I didn't have any credit card at that time and it wasn't until much later that I had a credit card. The person I spoke to said the info about the card would be sent to my home and it would take about a month. At that time, I told her to not contact my mother in regards to this anymore. She also advised me that if it was a family member that had the card in my name I could taken them to court over it to get the money. 

I contacted Capital One at that time because I knew the card wasn't mine and I was concerned that someone had my personal information and potential fraud/identity theft was involved. I spoke to two separate people in two different departments at Capital One and neither one found anything under my name for a card with missed payments or having gone to collections. 

I didn't receive anything further from XXXX XXXX XXXX XXXX  XXXX until they left a voicemail on XX/XX/XXXX that said I had 24 hours to respond or judgement would be filed against me. They also contacted my mother again despite me telling them not too. 

I spoke to someone today, XX/XX/XXXX, in regards to this and was told that the card in question was from Capital One that I used to make purchases from XXXX to XXXX. I again told them that this wasn't me and I didn't have a card at that time. 

The person I spoke to said that the total amount owed including attorney fees was {$3500.00} and I would receive a subpoena to appear in court over this matter at either my home or my place of employment. She also said they could/would place a lien on my vehicle as well as my home. 

This is not debt that I owe, and I have received never received anything from this company other than the contact to my mother and the voicemail that I received. I have purchased several cars, a home and had a personal loan after this supposed debt went to collections and none of the credit checks ever showed any debt owed to Capital One ( or anyone ). I also routinely check my credit report and there has never been a card for Capital One prior to the ones that I have now which I opened in XXXX and XXXX. 

I asked if this matter could just be sent to the credit bureau so I could dispute it there since I wasn't receiving anything from the company and was told that's not the way it works.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had XXXX unauthorized charges from XXXX ran with my debit card ending in XXXX on XX/XX/XXXX for XXXX $ and XXXX XXXX I opened a claim ( claim # XXXX ) with Wells Fargo via telephone immediately as soon as I noticed the transactions and they cancelled my card. XXXX business days later on XX/XX/XXXX Wells Fargo informed me that they determined an error did not occur. 

I called XX/XX/XXXX to see if I can appeal and I was told no. They told me to call merchant to ask for refund, I called target on XX/XX/XXXX and they said they couldnt see the transactions I was talking about so I then filed a complaint with better business bureau and I am currently waiting for a response.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my written instructions
Consumer complaint received 2023-10-20
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. (MD)

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 2024-05-14
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. (NJ)

I sent in a letter around beginning of XXXX stating all XXXX credit agencies have to remove my Bankruptcy XXXX XXXX from my consumer report because the United States Bankruptcy XXXX stated they do not associate or verify information with the credit bureau so how can this Account/Information be accurate & why is it even reported on my consumer report. This is going against my rights as a Consumer. 

I have attached the letter with the United States Bankruptcy XXXX Stated they dont associate or verify for proof. 

Please see attached documents for support 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 2024-08-29
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, Texas, XXXX XXXX XXXX XX/XX/year> Equifax Equifax XXXX XXXX XXXX, GA XXXX Subject : Request to Block Fraudulent Information Under FCRA Section 605B To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at XXXX XXXX XXXX Applied on XXXX, XXXX. 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (AL)

I am not liable for this debt of {$520.00} with XXXX XXXX XXXX. Account Number : XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification. I have tried to dispute this account multiple times, it never comes off of my credit report. The credit bureau just updates the account.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized inquiries/addresses that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries/addresses have negatively impacted my creditworthiness and financial opportunities. Specifically, the inquiries/addresses listed on my credit report exhibit the following violations : Violation 1 : Unknown Inquiry Purpose.

Violation 2 : No Consumer Consent.

Violation 3 : Inaccurate Reporting Date. |FCRA Violation : Failure to provide clear and accurate information to the consumer. ( FCRA 623 ( a ) ( 1 ) ( A ) ). Failure to Provide Clear and Accurate Information : The inquiries/addresses information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized inquiries/addresses remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized inquiries/addresses from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX