davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

From XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done their best at ignoring my requests for the correction of the disputed accounts on my Credit File. The disputed account have been reporting erroneous information which caused for my Credit File to be damaged. I took my time to review my Credit File and noted the following : a ) there is an account reporting to have late payments when in fact I did not, I was never late in paying ; b ) there are charge off account reporting balance even though charge off account should be reporting XXXX balance ; c ) there are public information reporting even though I never filed for bankruptcy ; and d ) there are accounts reporting even though some of the accounts were already removed from the other Bureaus. I am requesting that the Credit Bureaus correct the following accounts from my Credit File by either updating the payment status or completely deleted from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-06-12
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. (TX)

NOT DEBT VALIDATION REQUEST. My rights have been violaoted In re XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred. 

They stated it was inequitable for a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, cancelled an otherwise collectable debt. 

You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports.These are the violations : XXXX XXXX FAILURE TO RESPOND SATISFACTORILY TO THIS MATTER MAY RESULT IN A SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR : 1.DEFAMATION 2.NEGLIGENT ENABLEMENT OF IDENTITY THEFT 3.BLATANT VIOLATION OF MULTIPLE FCRA VIOLATIONS
Consumer complaint received 2023-12-12
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. (DE)

So I had an account that was closed and charged off I contacted the company and ask if I pay the balance of would they remove it from my credit after they receive the payment and they told me yes and I ask for a copy of this agreement and they said they were going to send it and never did and never deleted it from my report and also they are reporting pass due and late payments on my credit report please delete this account as promised
Consumer complaint received 2023-12-12
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (MD)

I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

Phoenix Financial Services sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX  account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the Phoenix tradeline telephonically with XXXX. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. Phoenix continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation Phoenix Financial Services, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to XXXX on XX/XX/XXXX. XXXX sent an email on XX/XX/XXXX stating XXXX is unable to honor the dispute request. See attached documents.
Consumer complaint received 2023-12-12
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a credit card in XXXX of XXXX and was denied this time like every other time in the past when applying for credit. 
Bank of America practices discrimination on a consistent basis when it comes to XXXX Nationals. I am not a United States citizen, but had to check that option on the application because non-citizen XXXX XXXX isn't listed anywhere on the loan application. They only give two options when its obvious there are more categories of nationalities that bank with them. This is clear violation of the CFPB laws, Federal Trade Commission, and XXXX laws. 

I notified them of this violation in writing and I also submitted my XXXX, cancellation of power of attorney, and all other paper work weeks before applying. I also, ask the bank manager to make sure my status was changed from citizen to XXXX XXXX. I was assured that my paperwork was added to my file and that my status would be updated. No one did so. 

I plan to sue Bank of America on all levels for discrimination and the laws broken in the process of denying me credit and not updating my status to reflect my true Nationality. 

Due to this denial I had to go with a subprime bank to access funds. Not being able to access credit has cost me dearly. I need to know all the factors underwriting used to deny my consumer applications based on the law? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Consumer complaint received 2024-06-04
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, I have the right to privacy. 15 USC 1681 section 604, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

{$25.00} was taken from my account on XX/XX/22. When I opened the account, I was told that I would not be charged as long my mortgage account is open with Wells Fargo.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

There has been unauthorized activity with my Paypal account. On XX/XX/year> {$990.00} was withdrawn from my bank account and added to my Paypal balance. The unauthorized user then added two banks and proceeded to withdraw money from my Paypal balance and bank account. The transactions of XX/XX/year> for {$480.00}, XX/XX/year> for {$500.00}, and XX/XX/year> for {$470.00}. There was also a transaction of {$1900.00} being withdrawn from my bank account on XX/XX/year>, which is when I caught the suspicious activity and called my bank to deny the transaction. All transactions above are on my Paypal history. These transactions are all following an unauthorized change to my email and also an unauthorized upgrade of my account to a business account. With over 20 years of using Paypal, I have used only one bank account for withdrawals from my Paypal balance. I disputed the transactions and they stated that they did not see any unusual activity with my account, even after I explained to them that I have never used any other bank account with Paypal for withdrawals. I escalated the case for review multiple times but the appeal keeps getting denied.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-12
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. (MN)

I recently reviewed my credit report and noticed an account 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 i've attached a copy of my report to this complaint on the following dates ( Date XXXX XXXX XXXX XXXXXXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was scammed in my card in XXXX XXXX. I was confused by the XXXX before I signed for the purchase. I attempted to go back to the business and was told they didnt know how to refund the error and they could just give me a credit. I was worried for safety and legitimacy of this, so I left thinking my bank will help me. Not sure why such a large charge was even allowed without stopping it and forcing me to verify. The claim started in XXXX and now in XXXX, the bank tells me they will not be approving the claim and that they will charge me this right before Christmas. This will clear my whole account
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX husband was scammed by " you won a big prize '' scam. They demanded many " fees '' and became very scary and threatening if he did not pay them. They demanded payment via gift cards, which he purchased using several different credit cards. He did not tell me this was going on. By the time I found out, he had run up thousands of $ $ in credit card charges. 

I immediately put a stop to this and I reported to the police, the FBI, the FTC, etc. I also got a power of attorney to act on my husband 's behalf, since he still did not seem to understand what he had done. 

I contacted the XXXX credit card companies my husband had used and sent them a copy of the POA, the police reports, etc. and a list of the charges he had done while being terrorized by the scammers. I asked them to DELETE those charges, since they were part of a serious crime of elder abuse. 

The credit card companies ' response has been 1 ) They do NOT RESPECT my POA and refuse to talk to me and 2 ) They refuse to DELETE the charges, on the grounds that there was no " identity theft '' and my husband himself authorized the charges.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-06-11
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)

1 ) REMOVAL OF ALL FRAUDULANT INQUIRIES ON MY CREDIT BUREAU, WHICH ARE ON MY CREDIT REPORT AS HARD INQUIRIES. I DID NOT AUTHORIZE THESE INQUIRIES, I HAVE FILED MULTIPLE POLICE REPORTS, IN MULTIPLE JURISDICTIONS, AND HAVE THESE FRAUDULENT INQUIRIES REMAIN ON MY CREDIT REPORT FRAUDULENT INQUIRIES ( 9 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ON XX/XX/year>, I MAILED COPIES OF MY FTC REPORT, POLICE REPORT, AND IDENTITY INFORMATION TO ALL XXXX CREDIT BUREAUS REQUESTING THAT ALL ITEMS LISTED ON MY FTC REPORT BE DELETED. ALL XXXX COMPANIES HAVE YET TO DELETE THESE ITEMS. ALL ITEMS LISTED ARE IDENTITY THEFT ACCOUNTS AND DO NOT BELONG TO ME. I HAVE CONTACTED ALL XXXX BUREAUS AND INFORMED ALL AGENTS THAT I AM NOW NOT HESITATING TO TAKE LEGAL ACTION.
Consumer complaint received 2024-06-12
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. (OH)

I sent in dispute to the credit bureaus specifically for verification of the collection accounts. I asked for them to be removed from my reports and this did not happen. I called and asked for the specific information to be provided for how debt was validated, and I am not being provided with anything. I am asking the negative information to be removed from my report.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.