davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are impacting my ability to gain credit. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$330.00}.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to XXXX, XXXX, and Exquifax, respectfully. I have been sent a reply from Equifax, and XXXX stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from XXXX in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, Equifax, and XXXX have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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. (FL)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I want to remove the extended fraud alert on my Equifax credit report. I can't get through to Equifax as the recording STILL says they can't verify my identity. The website as well as the Fraud Alert Request Form says a consumer can remove fraud alerts from the website. However this isn't true. I'm stuck in a loophole because Equifax isn't giving consistent and accurate information.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under thes following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PR)

On XX/XX/XXXX we bought household items at the Sears XXXX XXXX Outlet store, in XXXX. The goods were delivered by Sears on XX/XX/XXXX. They were installed later, once the installation of the kitchen furniture was completed. On XX/XX/XXXX, an attempt was made to use the oven and microwave, neither of which worked. We contacted Sears to make the appropriate warranty claim, but had no response from the store. We continue to insist, without result. During the month of XXXX, after visiting the store in person to again complain about the lack of warranty service, Sears staff visited our home to check the equipment. Sears staff indicated that they were unable to repair the equipment because they needed to order additional parts outside of XXXX XXXX. Despite insisting on the need for repair of the items even on XXXX XXXX, Sears did not respond to the claim. During the month of XX/XX/XXXX, Sears people visited our home again and took all the parts they had delivered for the repair of the equipment, indicating that they would return to collect the belongings. Subsequently, they called from Sears informing that a credit or return of the equipment was going to be granted. However, to this day, after tirelessly claiming Sears for a new equipment warranty, we still don't have an oven or microwave. The credit card was reported that Sears was going to give us the credit and nothing has happened, they continue to charge the same cost without solving this problem.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-27
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. (NV)

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 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/XXXX I went to use my debt card and the purchase was declined. I call Bank of America. All they would tell me is that my accounts are frozen and I will not be able to use any of these accounts going forward. They would not give me a reason to why. Just said that Bank of American can terminate any contract with a customer for no reason and that is what they are doing. They told me that the estimate closing date is XX/XX/XXXX. They have {$1400.00} of my money. I can't pay rent, bills or have access to money. I have never received a letter to what the issue is before XX/XX/XXXX. The account number is XXXX. Now I have an eviction because I can't pay my rent. I am behind on my bills. I don't understand how a bank can do this to a person. 
The one complaint that has been on going with Bank of America is every time I would do an online order to Target, and I would receive gift cards and use them for partial payments, Bank of America would continually charge my account the gift card amounts to me. Bank of America would say it is a XXXX issue. I have talked to XXXX XXXX, and it is not them. I have disputed every one of them. I have filed with AGO, OCC and now CFPB.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is official oppression to deny Man his own inheritance that which he has unlimited rights at any given time. If a trustee infringes on his rights and puts up barriers to prevent that Man enjoying the benefits of life then that trustee is committing Trust Fraud, Banking Fraud and are falsifying information which could cause damage, loss and harm to the Sole Beneficiary/General Executor. If the trustee hides or conceals information from that Man who is the Sole Beneficiary/General Executor over his estate then that trustee has engaged in Trust Fraud , Banking Fraud , Securities Fraud and for falsifying information. This applies also to providing the beneficiary with full disclosure of all transactions pursuant to 15 United States Code 1601 ( a ) informed use of credit. Its a crime to have me come out of my pocket to purchase something when my indemnity insurance card and security instruments invested in the transaction paid for my XXXX XXXXXXXX XXXX, and theres no evidence provided which proves me wrong. I operate in honor and are not attempting to get out of paying for the goods which I invested into. Anything which I purchase, I am required an itemized receipt which shows me that my item was paid for and that I should get returns on my investment. It is discrimination and defamation for employees at loan companies, all financial institutions advertising to provide loans, auto dealerships, etc. whos regulated under and by federal deposit insurance corporation to use non affiliated third parties to dictate if theyre going to do business with those same Men and Women whom if they did not exist then companies can not make earn income.
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (TX)

Keep receiving phone calls and voicemails that state they are a legal person regarding a legal matter and that it is very very important to contact them or legal action will be taken as a result... This type of behavior is uncalled for especially when I have requested a written contract to show my official signature on it validating any kind of debt to this or any agency trying to attack my credit score and reports.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2023-04-30
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: EQUIFAX, INC. (FL)

There are 7 student loans reporting on my credit report, however there is only one account with the loan servicer and only one payment due. When I was selecting the repayment option for my student loans when I graduated, I was not informed that there was a payment due, which was {$0.00} because of the income based repayment plan. I wasn't made aware until I saw a 120 day late on my credit report. They told me I would have to send them tax returns, which I had yet to file, before they could revert back to the original repayment plan. Which took me 30-60 days to get to them. They have been reporting 7 separate accounts being 120+ days past due. But when I get a statement, there is only 1 payment due, not 7. This has been impossible to correct and extremely unfair. I have not been able to get approved for almost anything in over 7 years. I had to refinance the student loans so that they would stop reporting negatively. The next year when I sent them my returns, they said that " they '' didn't file my paperwork timely which then resulted in even more of lates. However, they were unwilling to correct he information reported to the credit bureau. 

These accounts should be deleted based on the first late payment, which should have already happened. 

In accordance with the Fair Credit Reporting Act, XXXX Account # 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. 
They are in violation of the Fair Credit Reporting Act
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (PR)

I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. 

I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. 

Thank you and Discover should erase any negative remarks from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-29
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. (AZ)

I hope this letter finds you well, When I pulled my credit report, I was shocked to find that there are numerous entries on my report that have not been validated or verified. I request the XXXX Credit Bureaus to please correct the account from my credit report. Given that I'm in the process of buying a home for my family, this situation is causing significant harm. I kindly request the immediate correction of this account from my credit report : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXX that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments /ve attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 im now requesting you investigate this account and update these payments to paid on time immediately. I was in forbearance and spoke with XXXX loans and they said no late payments should be reported to my account because of covid 19 at the time as well. Thank you for your understanding and prompt action
Consumer complaint received 2024-05-25
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. (MN)

Since XXXX Equifax has been reporting my old line of credit as being late in XXXX. First, they incorrectly marked it late in XXXX now they marked it late in XXXX, XXXX. XXXX XXXX said they have not been reporting this account since it was closed and paid in full. There are XXXX accounts listed on my report under XXXX XXXX  The first one was opened in XXXX and then closed in XXXX. It should have been removed from all credit reporting in XXXX. Equifax is reporting it as a " new account '' and reporting that it is late in XXXX, XXXX. This account was paid in full and closed in XXXX! My last account with XXXX XXXX was paid in full in XXXX of XXXX and closed. How can an account be late in XXXX of XXXX if it was paid in full. The first account was closed and paid in XXXX and the second paid in full and closed in XXXX. XXXX and XXXX come before XXXX so nothing should be reporting late in XXXX. All accounts from XXXX XXXX should be deleted from my credit report. They also state that the account is too New to Rate. How can this be when its more than XXXX XXXX XXXX. It doesnt need to be rated. Only deleted! 
Equifax is now stating that they can't locate my credit report. How is that when I can find it. Why are these credit reporting companies allowed to continue to just add whatever they want to my report.
Consumer complaint received 2024-05-28
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)

XXXX : XXXX XXXX XXXX$1200.00}, XXXX XXXX  {$150.00}, XXXX XXXX {$1400.00} XXXX XXXX {$2300.00} XXXX {$0.00} Closed charge off XXXX {$0.00} closed charge off XXXX {$0.00} closed chargeoff XXXX funding {$1300.00} XXXX XXXX {$6200.00} XXXX XXXX  {$960.00} XXXX {$110.00} XXXX XXXX  {$940.00} XXXX XXXX {$120.00} INQUIRES XXXX ca XX/XX/23 XXXX XXXX of XX/XX/23 XXXX  XX/XX/23 XXXX XXXX XX/XX/23 XXXX ca XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 XXXX auto XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXXXX/XX/23 Equifax : They were the first ones that we filed suit against and won and they have completely wiped out my credit report instead of putting what was approved by them and myself on my reports. They have taking all of my positive things off and wiped it out. I have the lawsuit paperwork and the credit report that was corrected for proof. 



XXXX, XXXX XXXX  {$150.00}, XXXX XXXX XXXX was sued and we won and that is not suppose to be on my credit file {$7700.00} XXXX XXXX XXXX {$0.00} is not suppose to be on my report at all. XXXX bank I filed suit and won and it is still showing on my report XXXX funding {$1300.00} Credit collection XXXX XXXX {$120.00} INQUIRY : XXXX XXXX XXXX XX/XX/23 XXXX XXXXl XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX OF XX/XX/23 I have filed suit and won against all three credit bureaus and they still are not corrected and holding all of the above on my credit reports, most of the creditors as well were sued and lost against me and agreed to have all removed. This has been well over a year ago and nothing has yet to be done. All companies are in breach of contract/ and I will take all back to court
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Ive disputed several times for the past 6 months that this collection with Jefferson Capital is not my debt. The credit card account was opened fraudulently and I did not authorize it. They keep closing it and opening it on my credit report. The account for XXXX is not mine and Ive reported it several times. It doesnt not meet FCRA requirements and it needs to be removed from all XXXX credit bureaus immediately
Consumer complaint received 2023-05-17
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. (TX)

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. 

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 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.