davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/2022 XXXXXXXX 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)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error should be rectified.
Consumer complaint received 2023-06-11
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. (NY)

I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to XXXX that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have voluntarily returned and surrendered my car in XXXX or XXXX of XXXX ( over 7 years ago!!!! ) Account or car was never in the XXXX XXXX!!! Account is CLOSED!!!! 
XXXX XXXX sold this vehicle on auction in XXXX of 2017 and applied last payment in XXXX of 2017!!!!! 
My own last payment was made in XXXX of 2017 (!!!! ) XXXX XXXX and Credit bureaus show account in repossession status and in voluntary surrender mode at the same time!!!! 
XXXX claims that they have corrected everything to show Voluntary surrender and NOT a REPOSSESION but credit bureaus do not get their corrections Account also is TOO OLD to stay on my report its over 7 years since my last activity
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-27
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)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

''I writing to delete the followinginformation from file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon possible ''
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-04-27
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. (FL)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX XX/XX/XXXX XX/XX/XXXXAccount : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXX XX/XX/XXXX XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX.XX/XX/XXXXXXXX ) XXXX 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 oXX/XX/XXXXwhich antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXXA Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-10-31
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. (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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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. (IL)

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 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

In last XXXX, I received notice letters from Citibank informing me that my bank accounts would be closed on XX/XX/2023 ( one checking account and two saving accounts ). To my surprise, these letters did not provide any reasons or justifications for the account closures, leaving me in a state of confusion and frustration, obviously because that Citibank reserves the right to close my accounts at any time. 

Now and even worse, my deep concern and disappointment is regarding the recent closure of SIX of my credit card accounts with Citibank, two issued directly by the Citibank, and four store credit cards issued and/or managed by Citibank as XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have been a loyal customer for the past 18 years, maintaining an impeccable financial record and utilizing various services offered by such institution, including personal loans and multiple credit cards. Therefore, I find the abrupt and unexplained termination of these credit cards highly unprofessional and inexcusable. This not only poses a significant inconvenience in my daily basis life, but also raises serious concerns about the negative repercussions for the impact of closing SIX CREDIT CARDS simultaneously on my credit profile which I have started precisely with Citibank, and I have diligently nurtured over the years during the long-standing relationship with Citibank. Therefore, I expected at least a respectful and transparent communication, and a fair treatment, rather than such an abrupt and distressing action Honestly, I don't want to believe that all this incident and this treatment to me, is all about my XXXX orientation as XXXX, since it is the only reason that the Citibank could has to break with my financial relationship, which means : DESCIMINATION. That is what I feel, and that is what I have heard, that the Citibank makes DESCIMINATION by XXXX orientation.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I reached out to Capital One regarding an increase in interest charges on my account. I called them today, XX/XX/year>, at XXXXXXXX XXXX  to discuss this with them. My interest charges went up in price this month, even though the only activity on account was a {$15.00} XXXX XXXX membership I. Last 45 days roughly. I paid almost double my minimum balance on last statement. The balance of the account went down. However the interest charges were more expensive compared to the prior statements balance/interest. It shows I owed more money than I did this statement, but somehow owe more interest on top. Their interest calculations are based on the daily balance. This statement shows a lower balance than prior statement. However the interest charge was more when it should have gone down. First I spoke to what sounded like an out sourced customer service agent who tried to claim it was because of the {$15.00} XXXX charge. That did not make sense and again, the numbers dont show thats the reason. I asked to speak to a supervisor. I got XXXX in XXXX ( Employee ID XXXX ). She explained it was based on the daily balance of account. When I again went through the numbers with her based on the totals they charged interest on, the only recent charge on account, and the increase in payment, their numbers did add up. They refused to basically show their math on how they got to that equation. They said the calculations are on back of statement. I said we have discussed the calculation 100 times but your numbers dont add up. She refused to show me anything, refused to have it reviewed, refuse to send me any email or letter saying they refuse and made mention that their lawyers have control and they are not accountants. So basically bank in charge of managing my money saying they have no one to go through the numbers. Im simply asking them to show me how they came to that conclusion considering the glaring numbers that do not add up. I have had this issue with them in past. I need a full breakdown and someone willing to explain to me how owing them less money equates to more interest. They did confirm my rate did not change. That being said, given this issue, past issues with same problem and their lack of willingness to discuss things with me, ( I also hold a checking, savings and child bank account with them so I am a full fledged customer ), I now feel like that not only this current statement, but my entire account needs to be reviewed. I feel this is big banking at its finest, taking advantage of consumers and will only do something when forced to or caught. In typical American corporation fashion, I was shamed for even dare asking or questioning because the idea that a billion dollar company in America could ever be wrong, make a mistake or be deceiving is just unheard of to them. I am only submitting my most recent statement and prior statement. Again I need whole account reviewed and can provide more or anything that is asked. need your help.