davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I have noticed a hard inquiry on my XXXX  consumer report with the following information : XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXthis is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681.
Consumer complaint received 2024-01-19
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

I paid EdFinancial, my XXXX Loan Servicer, my payment due amount of XXXX on XX/XX/2023 and XX/XX/2023. To date, those payments have not been applied. 

I provided proof of payment on or about XX/XX/2023 for the XX/XX/2023 payment, and then proof for both payments again on or about XX/XX/2023. 

Both payments were debited from my bank account as expected.

I've received no correspondence from them on the matter, other than a 30 past due notice, which is false.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion for their negligence in updating my credit report to reflect that an account with XXXX XXXX has been paid in full. Despite numerous disputes with documentation and proof of payment, TransUnion has failed to update my credit report and this has caused significant harm to my financial standing. 

I have sent TransUnion multiple documents proving that the account with XXXX XXXX has been paid in full, but they have not taken any action to update my credit report. This has caused my credit score to suffer and has resulted in me being denied credit and loan applications.

I have made several attempts to resolve this issue with TransUnion, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that TransUnion immediately update my credit report to reflect that the account with XXXX XXXX has been paid in full. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

At XXXX XXXX  on Friday XX/XX/2023 I received several emails from Bank of America, asking me to verify my email, stating that my online application is in progress for a SafeBalance Banking account and then another email that it was approved. 
The confirmation number for this account is : XXXX. 

I called Bank of American at XXXX on Friday XX/XX/2023 and spoke with XXXX from the Fraud Department and explained everything to her. 
I told that I received these emails about an account opening, stated that email had my maiden name and not my married name. 
I then provided her with my address and full name. She confirmed that there is no account under my name. I did tell that I have a Bank of America Credit Card ( which I hold with my husband. My husband had opened it and later added me to the credit card account )
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The company reporting to my credit is ARS Account Resolutions. They are reporting three different amounts so therefore they are listed on all three of my credit reports three different times. I have tried to get the company to send me proof of the contract and debt. They have not done so. Im hoping by filing this complaint they will verify the debt or remove it from my credit reports. Im would like to buy a home a home for my family and I soon.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

The people responding to my complaint. Still doesn't get it. Wells fargo weren't exercising their right to close my account until XXXX XXXX lied about me saying I harassed her. My new account wasn't open very long when they closed it. It was closed on XX/XX/2015 after it was open on XX/XX/2015. I was forced to go back and forth to the bank so XXXX XXXX could be at the bank to falsely call the police on me. But the police didn't do anything to me. 

This angered her to whine to XXXX XXXX. He took her side without even talking to me and didn't bother to look at the banks security footage. Which would prove that I wasn't harassing XXXX XXXX. My new account was open only for a few weeks. I had every right to be outraged and angered by XXXX XXXX continue harassment falsely accusing me of harassing her. All wells fargo managers said they had a right to close it. Well their was nothing wrong it wasn't in the negative it was in the positive. XXXX XXXX falsely accused me to them of harassing her and they sided with her against me! Wells fargo let XXXX XXXX get away with harassing me and falsely accusing me.
Consumer complaint received 2024-01-19
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. (GA)

Several Late Payments '' which is a Transaction has been unlawfully showing on my Consumer Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies Equifax, XXXX, and XXXX to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages. 
Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Consumer complaint received 2024-01-19
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. (CA)

I have reviewed my consumer report and have been made aware that it is reporting that I have a 60 day late payment on an account that was never late. To my understanding consumer reporting agencies have the duty of reporting consumer information accurately to the best of their ability. I have never been late and a 60 day late payment for on date XX/XX/XXXX is blatant inaccurate reporting. Please investigate provide proof, preferably with statements showing that this payment was late. Alternately, if proof can not be provided I demand that this payment be updated to " paid as agreed, on time '' as they should to reflect accurate reporting on my consumer report. Thank you I have attached a screenshot of my report.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

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 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I wish to contest a recurring charge from XXXX XXXX in the amount of {$190.00} dated XX/XX/XXXX and again XX/XX/XXXX on my Capital One Venture credit card. I have been asked by XXXX and Capital One to show proof of cancellation. I do not have any proof because XXXX said it was a recurring automatic charge. I do not have any way of disproving this charge because I have not ever received any form of approval from XXXX. 
In XX/XX/XXXX I received an email saying that they were going to charge my Capital credit card. I called the telephone number, and I was talking with a very belligerent and profane man. He used the XXXX XXXX many times and somehow he was able to show a charge to personal checking account. I was adamant that this was illegal, which he answered with an XXXX XXXX. 
I immediately went to my local bank and they had to cancel my checking and savings accounts. I have contested this charge with Capital One and have been unable to get them to stop this charge being posted to my credit card. When I called XXXX, they were adamant that I pay the charge.I will not let XXXX to continue to charge me for something I do not want.
Consumer complaint received 2024-01-19
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. (MO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-19
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'm filing this complaint because I'm a victim of identity theft and I'm seeing information on my credit report that doesn't belong to me. My personal information is being accessed through the dark web due to data breaches at financial companies and retailers. The following account doesn't belong to me and needs to be removed from my credit report : XXXX XXXX XXXX {$640000.00}, this account is causing me harm and I've tried to request this institution to provide me with documents to show the origin of the account. I also contacted the credit bureaus by certified mail with dispute letters and a copy of an identity theft report, I have done everything I can as a consumer to get this issue addressed, however, this account is still reporting in my credit. Please help me remove this incorrect account asap.
Consumer complaint received 2024-01-19
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. (PA)

XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectXXXX XXXX XXXX Incorrect XXXX
Consumer complaint received 2024-01-19
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)

I am resubmitting this complaint to EQUIFAX regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on EQUIFAX to safeguard my information and furnish accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning medical collections. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that EQUIFAX will take the necessary steps to address and rectify these inaccuracies promptly.
Consumer complaint received 2024-05-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Professional Finance Company, Inc. (NE)

I had a checking account wit XXXX XXXX XXXX XXXX XXXX ( XXXX ) then had a line of credit. In XX/XX/XXXX I was XXXX from XXXX XXXX working at XXXX XXXX XXXX after XXXX  years of employment. I was struggling to keep caught up on all of my payments. XXXX told me to stay in constant contact, which I did. They foreclosed on my home of XXXX years in XX/XX/XXXX. I got a knock on my door from a buyer asking about the condition of home. This is how I was notified of my XXXX XXXX XXXX off. I became XXXX. I had a XXXX XXXX XXXX XXXX I had the same cell phone number & email address. XXXX never sent me any letters stating you owe this debt. XXXX to XXXX. I get XXXX mail stating I'm being sued by Professional Finance Company, whom XXXX sold off account to XXXX. I then listened to a person, who referred me to XXXX XXXX XXXX XXXX in XXXX XXXX whom I'vepaid {$220.00} to resolve this. For XXXX months I've asked for documentation showing the transactions of this loan/debt. The account states XXXX & ends with date XXXX. There is nothing showing what I paid during that time frame, etc. I have informed XXXX XXXX I couldn't attend court & she didn't notify them so I was considered a no show. Now I look even worse than before. I was a XXXX customer for decades & this is how I was treated. Now years later they sell off debt to a collection agency notorious for suing people. I've never been sued in my life. As if XXXX my XXXX XXXX, ruined credit wasn't harsh enough. I'm being sued & can not get XXXX XXXX, PFC, their attorney to provide me with documents. This has continued for months now. If PFC is suing on behalf of XXXX why can't I get documents? The amount owed shows {$3300.00} on 1 form & another shows {$3300.00}.
Consumer complaint received 2024-01-19
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 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 in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (MD)

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 Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-19
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: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.