davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
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)

on XX/XX/XXXX I received my results from my dispute with XXXX, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than XXXX credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Consumer complaint received 2024-08-23
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. (IL)

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A States l have the right to privacy 115 U.S.C 1681 Section 604 A Section 2 : lt also states a consumer reporting agency can not furnish a account without my writlen instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repont containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the repont 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 agoncy if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees. 
My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period. 
So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023. 
Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023. 
I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me. 
My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.
Consumer complaint received 2024-05-12
Product: Credit reporting 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. (VA)

XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. Equifax, XXXX. & XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used capital one credit card travel program to purchase three airfares on XXXX XXXXXXXX. One must go through capital one travel ( C1T ) agent in order to book seatings on airplane. I called C1T to book three airfares for my wife XXXX and son XXXX. The air flight to depart from XXXX XXXX airport to XXXX XXXX on XXXX and returning XX/XX/XXXX. About one week later, we needed to our flight schedule to XX/XX/XXXX to XX/XX/XXXX. I called C1T back and they confirmed that all changes of schedule have to go through them. the new schedule was changed via a C1T agent. C1T has a recording of all phone conversations. I called back to C1T stating that on my travel page on C1T did not reflect the new schedule. C1T said it is fine as long as I received an email for XX/XX/XXXX to XX/XX/XXXX flights. Yes, I did. Then this is where the communication was broken down. on XX/XX/XXXX, I received an email form C1T that my flight might have a change and a C1T might call me or to contact XXXX XXXXXXXX. Since I remembered from earlier calls with C1T that all changes go through them. I waited for C1T call that did not come. Plus, I thought the change was related to the change of flight that I had done with C1T. Of course, XXXX  cancelled our returned flight and we did not know about it, until we called in to confirm our seats on XX/XX/XXXX. XXXX  put me on a returned flight to XXXX XXXX and my wife and kid to XXXX on a different flight. XX/XX/XXXX was a wasted day as our flight plan was totally changed. I was out of pocket for XXXX trip from XXXX to home and I had to drive to XXXX later than night to pick up my family. Next day, I had to pick up my car at XXXX airport that had an extra day of parking. the following week I called C1T to explain the break down in communication. C1T supervisor said they have all calls recorded and to review. I told them the XX/XX/XXXX email that C1T was to call me. No one from C1T called. I told them in a recorded conversation with C1T that all changes to go through C1T. in fact, the agent of C1T told me in a recorded conversation when I had to change my flight plan. I have attached them for your review.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX XXXX tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Financial Services, Inc. ()

XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX Phone call states it is the XXXX XXXX XXXX XXXX, calling for XXXX XXXX, file # XXXX. To call back @ XXXX. I called repeated times to have them remove our phone number. We are an elementary school and do not have an employee named XXXX XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I opened a brand-new credit card and made two payments of {$50.00} before I even received a statement to have my account paid a month in advance. I made a payment of {$50.00} on XX/XX/23 and I made another payment of {$50.00} on XX/XX/23. So as of XX/XX/23 I had paid them {$100.00}. My first statement came out and wasn't due until XX/XX/23 which I owed {$77.00} which I paid on XX/XX/23. They did not apply my {$100.00} payments to the statement they applied it to their fees. So they are now telling me that I owe them {$76.00} for my XX/XX/23 statement. According to their own statements, I only owe them {$150.00} and paid them {$170.00}. I told them about this and they said they can't do anything with the {$100.00} I paid ( credit it to my XXXX statement ) because I paid them " too early '' in their billing cycle. They told me that I still owe them the {$76.00}. So now they are basically demanding that I pay them {$220.00} to get my account current. They say that it is due to their billing cycle and because I changed my due date as of XXXX. That should have no impact on my prior payments.
Consumer complaint received 2023-10-04
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)

This is my second request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

Signed a lease on XX/XX/2023 on a XXXX with the XXXX of XXXX, NJ via Ally Bank. Section 6c showed no amount to be paid in cash, but I was charged a cash monthly payment anyway. According the least, the full amount due at signing, including the first monthly payment, was to be covered by " Rebates and noncash credits ''. The cash payment I made was not counted toward anything. I bought out the vehicle shortly before the end of the first monthly period, trying unsuccessfully to get Ally or XXXX to correct the contract by that point, making several calls to both parties. Ally claims any errors in the lease would be checked and corrected during the buyout process. The buyout price did not reflect my cash payment having been made. The dealer claims Ally took the monthly payment. Ally will not provide any response at all other than that they can not give a refund.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( 2011 ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2024-05-12
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (FL)

US. Bank is one of the owners of XXXX XXXX XXXX, a consumer reporting agency is reporting an account that was included in a bankruptcy I file more than 10 years ago. This account should not even reported to XXXX XXXX XXXX  because it was part of the bankruptcy. Since they are the owner of such service they feel they can do. what ever they want. US Bank at the time I opened the account was an issuer of secured credit cards. In order to get the credit card I had to deposit {$300.00} into a savings account at the bank. After a few years I had to file bankruptcy on the amount that was used on the credit card. At the time US Bank would not simply take the security I put up the cure the debt. Also they would not return the {$300.00} after the bankruptcy was discharged. Now dating back from XX/XX/2022 they have the account listed as Saving Closed-Purged. By the definition they have listed on XXXX XXXX XXXX a company that the bank partially owns it says I mishandled the bank account. Filing bankruptcy something I had legal right to do should not translate to me or anyone else mishandling an account. This entry they have listed on XXXX XXXX XXXX a company owed by US Bank is causing me to not be eligible to open an account at other banks.
Consumer complaint received 2024-05-12
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)

Equifax sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached
Consumer complaint received 2024-06-15
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. (FL)

I am filing a complaint against XXXX regarding a payment issue that occurred recently. I made a payment to XXXX. Despite my timely payment, XXXX encountered a technical error that resulted in my payment not being properly processed on their end.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Charge off for XXXX XXXX XXXX XXXX is reporting incorrectly, company reported that I made a payment which I didnt it caused the account to re age, a charge off is not supposed to report after 7 years its been deleted from XXXX and XXXX , please investigate the payment being made I did not make a payment
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The inquiries on my credit reports, XXXX  XXXX, TransUnion I have no knowledge of.. U.S.C. 15 1662 15 U.S.C. 1681 states that any inquiries soft or hard or collections on my credit report from any major 3 bureaus without my written consent or me notifying you verbally shall come off until a full and complete investigation is done.. I would like all inquiries from each bureaus to be erased or I will seek further damages that are greater than a {$1000.00}