davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

It's been More the 30 days this letter was send out and haven't hear from your company. Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Abra (CA)

My holdings in a virtual currency ( XXXX  ) were sold as the company exited the United States ( Plutus Financial DBA Abra ). The total amount is ~ {$18000.00}. This was done in late XXXX but the company has not been able to send me the proceeds. They sent an initial check to an outdated address is early XXXX without checking to see if it was still valid. The reissuance of the check to the correct address is still ongoing.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NC)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC
Consumer complaint received 2024-05-16
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. (LA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-16
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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-16
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. (SC)

I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-09-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Wednesday ( XX/XX/XXXX ) evening/Thursday ( XX/XX/XXXX ) wee hours : My debit card was stolen. 

Thursday midday, I locked my debit card and ordered a new one, using the Bank of America website. 

Today, Friday ( XX/XX/XXXX ) I visited my local Bank of America, to report the fraudulent charge : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit - {$0.00} I was directed by the teller to call XXXX ( XXXX ) XXXX, and informed that there were no senior bank employees such as the manager ( XXXX XXXX ) who regularly assists me to handle the task with the claims department. The teller advised me that he can only process withdrawals and deposits. I proceeded to make an appointment to speak with a banker XX/XX/XXXX2024 at XXXX XXXX. 

The problem is, there is someone I don't know with possession of my debit card who ostensibly, based on the fraudulent transaction in question, has access to my pin number. The website won't let me change my pin in advance of my new check card 's arrival in XXXX days and it can not wait until my appointment [ with XXXX ]
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-31
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)

EQUIFAX REFUSES TO INVESTIGATE DISPUTES THAT I HAVE FILED DUE TO IDENTITY THEFT. THE SANE DAY I SUBMIT DISPUTES WITH EQUIFAX THE COMPLETE THE investigation SAME DAY WITHOUT actually DOING THE PROPER investigation. I have sent Equifax a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to the company and inquiries that are the result of identity theft. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Equifax has refuse to follow their responsibility.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-16
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. (KS)

On XX/XX/XXXX I received notification from CRAs that XXXX reported my loans as being on payment moratorium due to petition for XXXX  XXXX bankruptcy. They also placed an old account including derogatory payments from XXXX. This derogatory account was originally placed on my report by my previous loan servicer and was removed from my report about a week ago due to the account being too old to be on my credit report because the missed payments occurred more than 7 years ago. This is the second instance in which XXXX has ruined my credit by reporting inaccurate information. The first time being XX/XX/XXXX at which point I had to make several phone calls to get a resolution that took more than XXXX  days. My loans are in repayment and have been since XXXX. XXXX is also continuing to deduct payments via autopay while reporting delinquencies. They also initially refused my request for help instead opting to tell me to open a dispute with the credit bureaus. My credit is ruined and I am fed up with XXXX incompetence. have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally. I have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally.
Consumer complaint received 2024-05-16
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.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc. (GA)

On Monday XX/XX/XXXX at XXXX am XXXX  I spoke on the phone with XXXX ( agent # XXXX ) at BSI Financial Services. XXXX informed me that the {$81.00} that I was made to pay on XX/XX/XXXX without any form of written statement with the only explanation being The lender wants us to collect {$81.00} was a mistake and my online account that has been displaying a past due status would be made current. XXXX explained that this would happen within 2-3 days without any adverse action taken toward my credit or property. It is now XX/XX/XXXX and my online account is still past due.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX, XXXX and Equifax all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these are my name
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

When we applied for the loan we were desperate our monthly payment is XXXX, XXXX goes toward interest and XXXX goes toward the principle, that's heart breaking we didn't really understand that most of my payment would be going to the interest and not the principle. We are on a fixed income and the payment is causing us to be almost destitute I mean we can not keep up with our other bills. We are behind in our proper taxes and everything because of this big debt. We need help. We would like our payments to be cut in half. Help us if you can.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX charge {$140.00} Amex acct XXXX XXXX Case # Amex XXXX I received a credit of {$98.00} for the above purchase of airline ticket I submitted 2 NOT FIT TO FLY certificates from doctor and hospital indicating medical reasons as to no travelling XX/XX/XXXX - mid XXXX due to ongoing XXXX XXXX  at hospital XXXX XXXXXXXX reimbursed me FULL $ refund under # XXXX booking XXXX XXXX XXXX This was one way going on XX/XX/XXXX I had a return ticket bought on American Express XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX for {$140.00} Why was I given partial refund of {$98.00} and not {$140.00} I wish to dispute the remaining {$47.00} charge and want a refund of this amount I do not know why inconsistency and as a travel platform they should be my advocate with airline for full refund
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered several inaccuracies on my credit reports from Equifax, XXXX, and XXXX that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. XXXX reports the account as 60 days late, while Equifax reports it as 30 days late. 

Dept of Education ( XXXX ) : Multiple accounts under XXXX are reporting 90-day late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " XXXX  '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

XXXX  XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered several inaccuracies on my credit reports from XXXX, XXXX, and TransUnion that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. TransUnion reports the account as 60 days late, while XXXX reports it as 30 days late. 

XXXX of XXXX ( XXXX ) : Multiple accounts under XXXX are reporting XXXX late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " Unknown '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

Capital XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-05-16
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)

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. I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX  ( Finance )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.