davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (NV)

XXXX  XXXX XXXX DATE OPENED XX/XX/year> is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ).

I demand account removed to prevent further Identity theft of personal information.
Consumer complaint received 2024-05-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-29
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against Equifax for reporting a fraudulent account on my credit report. The account in question is from Fair Credit and an outsourcing collection agency. I have never conducted any business with Fair Credit or the mentioned collection agency, and I have not received any documentation or prior communication from them regarding this account.

This fraudulent account has adversely affected my credit score and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I believe Equifax has not adhered to the necessary procedures to ensure the accuracy and validity of the information they have reported. 

To address this issue, I have taken the following steps : Contacted Equifax directly to dispute the fraudulent account. 
Submitted a request for investigation and removal of the incorrect information from my credit report. 
Despite these efforts, the fraudulent account remains on my credit report, and Equifax has not provided adequate resolution or explanation. 

I am requesting the Consumer Financial Protection Bureau 's intervention to : Investigate Equifax 's failure to verify the accuracy of the information reported. 
Ensure the immediate removal of the fraudulent account from my credit report. 
Take appropriate actions against Equifax for their non-compliance with the FCRA. 
Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses. I have also included a copy of my credit report highlighting the fraudulent account. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and protect my consumer rights.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Several of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.
Consumer complaint received 2022-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Grain Technology, Inc. (SC)

I have been trying to contact the company to pay my monthly payment and have not been able to do so. The company has been replying to my emails but has failed to send me a link to pay as I have requested. I no longer have access to the original telephone number or a cell phone, so I can not get into the account and they are aware of that information as stated in my email messages. his has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments and then informed me that it was being reconnected. The original loan amount was {$700.00}. I was a customer that did not miss any payments and now I have missed payments due to this issue, despite ignoring my pleas to pay using any other method. The account is now reporting to my credit as late which is unfair. Ive never been more horrified by a company 's negligence.
Consumer complaint received 2024-06-06
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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I closed one Citi account on XX/XX/23 due the death of my spouse, opened a new one at Citi in my own name by transferring funds on the same day, and then making a large deposit by check with new funds. Because of the size of the new deposit, my account was flagged for fraud. Citi made no attempt to reach out to me to alert me that my account was being frozen. The record of my new account disappeared from the app/online banking when I went to view it a day later, although I can still see my closed account. This should not be allowed. There should still be visibility into an account with a check pending. 

I have been in touch with Citi customer service on XX/XX/23 and they say there is nothing they can do to unfreeze my assets until the large check clears. That requires reaching out to the person who wrote the check to me. They should be able to segregate these issues and take the time they need to clear my large check without unfreezing my other assets. I have bills to pay, I am left with only {$11.00} in cash, and no clear timeline for settling this issue. I have a 20-year relationship with the bank, direct deposit with an excellent employer, and they still do this to me.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over XXXX  days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This account has always been paid on time, so I'm uncertain about the reasons for the late payment comments. As stated in 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2024-05-29
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-29
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)

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Recently I 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 is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion.

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (CA)

Each justice or judge of the United States shall take the following oath or affirmation before performing the duties of his office : " I, _, do solemnly swear ( or affirm ) that I will administer justice without respect to persons, and do equal right to the poor and to the rich, and that I will faithfully and impartially discharge and perform all the duties incumbent upon me as _ under the Constitution and laws of the United States. So help me God. '' 1906, Hale v. Henkel has been cited by the Federal and State Appellate Court systems over XXXX times! 
In nearly every instance when a case is cited, it has an impact on precedent authority of the cited case. 
Compared with other previously decided Supreme Court cases, no other case has surpassed Hale v.

Henkel in the number of times it has been cited by the courts. " The rights of the individuals are restricted only to the extent that they have been voluntarily surrendered by the citizenship to the agencies of government " Any judge [ or officer of the government ] who does not comply with his oath to the Constitution of the United States wars against that Constitution and engages in acts in violation of the supreme law of the land. The judge is engaged in acts of treason. '' Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ( 1958 ) XXXX COUNTY DEPARTMENT
Consumer complaint received 2024-07-30
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (FL)

15 U>S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please deleted this item IMMEDIATLY!
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (CO)

I was looking at the information on kickoff and was debating whether or not to use it ... .I never finished the application. They are now saying I'm delinquent and my credit score is impacted. I filed a dispute but it was denied. I want justice!
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (KY)

I had lost my debit card and I never updated with my security system. The XXXX of truist bank in XXXX XXXX updated my information with the security system. I have tried to press fraud charges with the bank but they will not do that. So far my lose is over ninety dallors. I don't understand why this XXXX watches my account. And my money in my account has been messed with for the past XXXX years. I went to the bank and talk with her she said that people change their debit card because they don't want to pay their bill. The male XXXX told me that the company can use the old debit card number to receive money I don't know who she talked to at my security system. I see on my statement that it's listed as a recurring layo that is not true
Consumer complaint received 2023-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I have an account with Honda Financial Services. During my time with Honda I have been enrolled in XXXX XXXX. On three occasions I failed to transfer funds to my checking account the payments were coming from. The payments were late by a couple days - once I realized the issue I transferred the funds to the account and ensured payment. Yes, I can do better, but I have a lot on my plate. After the last time this happened I tried to make a payment via the Honda payment portal but I was unable to do so. I then called Honda and I was unable to use the automatic payment system. Once I talked to a rep she informed me that I was locked out of the system because of three reverse payments and that I would need to call and make a payment directly with a rep for the next 12-months before I am able to setup automatic payments, pay online or use the automatic phone payment system. Honda never made me aware of this policy. It is drastic, unfair, and definitely a policy that does not reflect a concern for their customers. When I asked to speak to a supervisor the phone rep told me that my request was denied because I could not talk to a supervisor about a policy. I have never experienced this with a financial institution. If a policy is as drastic as this one, Honda should let their customers know upfront or at least provide a warning. No warning, no transparency. It is unfair and adds an undo burden on customers and only makes it more difficult to make payments on-time. In addition, there is a fee when using a debt or credit card. This is not fair.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

On XX/XX/2023, I went to a website which presented itself as a USPO site to purchase stamps. It looked legitimate and did not arouse suspicion. I purchased a variety of forever stamps totaling {$88.00}. Immediately after entering my payment information, the site was displayed as a " Women 's Ready to Wear '' company located in XXXX XXXX. Recognizing I had been scammed, within 5 minutes, I was on the phone with the fraud department at Citibank, speaking with " XXXX '' and asked him to BLOCK the charge from posting. I was advised that " nothing can be done until the charge is posted '' which would take XXXX days. He assured me multiple times that the fraudulent charge would be reversed after posting to my account. 
Since the scammers had my financial information, I chose to immediately close my account and receive a new account number. 
I heard nothing further after 6 days, so I called again and " XXXX '' with the " dispute resolution team '' took my call. She said, " Do not worry. It may take up to a whole billing cycle, but {$88.00} will be posted as a security credit ''. 
On XX/XX/XXXX, the credit was posted to my account, but was immediately reversed the same day and still appears as a charge. As of today, XX/XX/XXXX, Citibank has not reversed the fraudulent charge, and has deemed {$88.00} as " customer 's responsibility ''. 
I have received a shipment of XXXX XXXX from a sham company ( XXXX, XXXX XXXX CA XXXX XXXX These stamps are fake, and illegal to use. 
Thank-you for any help getting Citibank to XXXX its word and reverse the fraudulent charge.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me. I demand damages for these violations.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX # XXXX