davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THE FOLLOWING INQUIRIES WERE ADDED TO MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid XXXX  fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (TX)

I sent this company a debt validation letter on XX/XX/2024. I received XXXX phone call on XX/XX/2024. I advised the agent on the line i did not wish to communicate via telephone to respond to the letter i mailed to their company to validate the alleged debt. The agent states they have not received such documentation from me and they were still attempting to collect on the debt. I advised her of the address in which i sent the letter to and she stated the address was incorrect and they never received the letter in question. Once i arrive home i check my mail and i have a letter from this company confirming they indeed received my debt validation letter and will cease collection attempts until the matter is resolved. I do not honestly feel this company is taking my request serious and willing to provide the requested information. I'm still getting phones from the company attempting to collect even after the letter is dated. I received XXXX calls on XX/XX/2024, XXXX calls on XX/XX/2024. I don't feel they have any true intent on providing the requested information or plan to make this process very difficult just based on my experience with this company. I've also looked this company up on XXXX XXXX XXXX  which it also appears they are not even licensed to be a collection agency
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

At the end of XXXX of XX/XX/XXXX, I purchased dance shoes on XXXX for my daughter, 3 times total due to the sizing. The first two pairs were returned, we kept the 3rd pair. I received a refund for one of those in my bank account but the other refund that XXXX did process never reached my bank account. I reached out to XXXX towards the end of XXXX to report the issue. I spoke with XXXX on several occasions and they stated the refund was sent to my bank account when they sent me a confirmation email stating the refund had been processed. They stated it is now out of their hands and up to Bank of America to locate the refund. I provided Bank of America with the transaction ID that XXXX stated usually helps them locate the refund in situations like these and I also forwarded Bank of America all of the emails from XXXX showing that they did process the refund. I even called XXXX with a BOA supervisor on the phone and he was able to hear XXXX state that they did process the refund. However, whenever BOA calls XXXX on their own, BOA reports back to me that XXXX states the item was never returned which is bizarre because I have proof that it was, proof that XXXX sent the refund and XXXX has never stated such a thing to me, ever. I escalated the issue to the XXXX  around XX/XX/XXXX. They were able to get XXXX XXXX from the Regulatory Complaints Department to reach out to me. She called me on XX/XX/XXXX @ XXXX. However, she called on my birthday and I completely missed her call. I called her back immediately the next day, left a voicemail and called a few other times and did the same during the month of XX/XX/XXXX. XXXX never once returned my call. I even had the XXXX  reps I was working with reach back out to XXXX to return my call and she still did not. Instead, she just closed my case once the XXXX  started reaching out to her. I had requested that BOA and myself conference in XXXX like I did in XXXX so this could be resolved but this request fell on death ears and I just kept receiving the same response that I didn't return the item. The XXXX  closed my case in XX/XX/XXXX, stating the issue had been resolved in the customer 's favor which was not true at all.
Consumer complaint received 2024-01-20
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. (GA)

I do not recognize these credit inquiries. And I have ask for them to be remove and the bureau did not do as I ask. I am providing identity theft report and I am requesting them to be remove because there are inaccurate and they are not mine.
Consumer complaint received 2024-05-09
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. (TX)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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. (AR)

I am writing to challenge the reporting and compliance on accounts with XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXXXXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Equifax is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however there are other reporting errors. 

Equifax improper procedures are highly damaging to my credit score.
Consumer complaint received 2024-05-09
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)

Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verity as accurate : XXXX Florida XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-05-20
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
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. (MO)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-05-09
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. (NY)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-09
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. (AZ)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My payment on the capital one credit card was made on XX/XX/XXXX. On XX/XX/XXXX the money left my checking account. On XX/XX/XXXX the payment was still not posted although they indicated my balance on my account had been reduced and they confirmed they had received the funds. I was told that Capital One " holds funds '' and my credit would not be back to the full amount until XX/XX/XXXX. That is improper use of my funds, results in credit fraud by Capital One and hurts the merchants who have promoted the cards ( in this case Wal Mart ). This is an unfair practice and is really a way for Capital one to use my funds for their gain, while advertising they are a credit entity.
Consumer complaint received 2024-05-09
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (MI)

On XX/XX/XXXX I made a payment of XXXX from my checking account to my credit card, Revvi On XX/XX/XXXX I checked my credit cards online statement, but the payment was not received. I thought my payment was not done correctly and I made another payment in the same amount of XXXX on XX/XX/XXXX. The credit card company received both payments and put a restriction on my card due to suspicious payments. I called and spoke to the company on several occasions about my double payment and was told I had to email them a bank statement and a copy of my drivers license. On XX/XX/XXXX I sent them the documents they requested to take the restriction off my card and send one of my payments back to me or apply it to the card. As of XX/XX/XXXX they have not taking the block off my card and will not send me back my extra payment.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I deposited a mobile check from the Department of Treasury into my checking account. The receipt stated that {$500.00} would be available on XX/XX/XXXX and the remaining amount would be available on XX/XX/XXXX. On XX/XX/XXXX I went to use my debit card and was told that my card was restricted and to contact the bank which I did. The rep I spoke with stated that the check was unable to be found in the treasury dept system and was considered fraudulent as a result my account be closed.The rep then told me that I could drive to the nearest branch 2 hours away and present documentation of why the treasury dept would send me this check. I agreed to the account closure ans stated that I didnr want to proceed with the check deposit and that I would deposit into another account that I have. 

On XX/XX/XXXX {$500.00} funds were made available on the restricted account even though I was told that the check was not found in the Treasury Department system. Upon checking the Treasury Dept check verification system the check is showing as paid. However, Capital One has held the check and my funds available in the account unnecessarily. I believe that this is a situation of XXXX discrimination.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (NY)

XXXX  XX/XX/XXXX. {$67.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$4400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$2400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions XXXX/ACCT # XXXX. XXXX XXXX
Consumer complaint received 2024-08-09
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. (NJ)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. The account was last updated in the sum of {$540.00} on XX/XX/2021.