davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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)

Despite many assurances that the matter would be resolved, the negative items remains on my credit report, causing significant stress and financial inconvenience. 
The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution. I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay. Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9100.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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)

Account Name : XXXX XXXX XXXXXXXX Account number : ending in XXXX First and Last name : XXXX XXXX Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This subsection explicitly states that a CRA must not reinsert previously deleted information unless the information provider certifies its accuracy. The CRA must notify the consumer of the reinsertion within five business days, which ensures transparency and gives the consumer an opportunity to dispute the reinsertion if necessary.

The CRA failed to adhere to these requirements : -No timely reinvestigation was conducted following my dispute.

-I did not receive proper notification of the results of the reinvestigation.

-There was no certification from the furnisher proving the accuracy of the reinserted information.

- I was not notified within 5 business days regarding the reinsertion of the disputed information.
Consumer complaint received 2024-05-23
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. (NJ)

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 2024-06-14
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. (NY)

According to fair credit reporting act these creditors have violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-13
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)

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 2024-06-13
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)

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. 

XXXX XXXX - Account number # XXXX XXXX  XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX  - Account number # XXXX XXXX  - Account number # 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 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 items 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 2024-08-15
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)

Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of XXXX. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.
Consumer complaint received 2024-08-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MI)

An unauthorized account was opened in my name with XXXX. This activity occurred between XX/XX/XXXX - XX/XX/XXXX. Total amount of the fraudulent activity is XXXX. I was not aware until a collections was posted to my credit report in XXXX of XXXX. 
I was able to speak with representatives from the collections agency on or about XXXX XXXX, LJ Ross Associates inc . The representative informed me of where the collections originated ( XXXX ). Representatives from XXXX 's ID Theft department provided me with necessary details to file this report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There is some hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (ME)

Opened card in XXXX  of this year with CITI. XXXX XXXX branded card. Have paid all bills in advance each month open. XXXX Valid checking accounts, both fully linked via XXXX service provider. Citi indicates these are not verified ( even though they have received and processed payments from both ). 

I tried calling Citi when out of country, they refused to do anything and fraud department was XXXX minute wait at {$0.00} cents a minute, no thank you. 

Citi has begun randomly declining purchases and even though I have made the signup bonus threshold amount many times over, are likely going to try to weasel out of the bonus miles/points. 

Citi refuses to close the account without me reading some number off a US Mailed letter and will not let me use the card until then, I am not home yet. They refuse to verify via text, via secure messages, via chat, only voice, and refuse to close the account. 

Citi is so far, the hardest and worst bank I have dealt with, having worked with XXXX, Amex, XXXX, and numerous others, who far surpass Citi 's ability to service their customers.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I applied and received a Citi XXXX XXXX with a annual membership fee of {$95.00} during XX/XX/XXXX. Since then I have used this card and paid the amount due in full every month all the way till XX/XX/XXXX. Around XX/XX/XXXX ( payment due date ) - may be last week of XXXX when I usually pay my bill/credit cards, i became aware of the annual fee of {$95.00} posted to my account for the year XXXX to XX/XX/XXXX. I scheduled payment for the balance without the fee, as I was planning to cancel the card ( so didn't feel necessary to pay the annual fee ). Though you can apply/activate a new card, you can request a addon card online for some, but NO ONLINE CANCELATION is available. So I planned to call and cancel later. However during XX/XX/XXXX weekend we moved from XXXXXXXX XXXX XXXX XXXX XXXX During the move process I forgot about the cancelation. 

Today I came across the new statement that had NO TRANSACTION charges ONLY Fees ( Annual membership Fee + Late Fee ) and Interest on the fees. I called up requesting a cancelation and reversal of fees. However the customer service and the CR-supervisor ( XXXX XXXX from Florida ) denied my request to reverse/credit/refund the annual fee. I believe this is unfair and needs review by the executive team.

I also wanted to point out one of the main reason of cancelation is the excessive blocking of the card in the name of fraud ( without giving any reason ), which I had complained multiple times.
Consumer complaint received 2024-05-30
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. (FL)

This is my another attempt to dispute the items in my credit file which resulted from a faulty credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an incorrect credit report information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} ========Equifax XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5100.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} ========XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXXate Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-29
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. (NY)

To whom it XXXX concern I have these closed accounts with XXXX Bank. XXXX BANK Closed on XX/XX/XXXX and XXXX XXXX  Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, equifax and experian or any other credit reporting agency.
Consumer complaint received 2024-07-26
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: SOFI TECHNOLOGIES, INC. (IN)

Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and XXXX and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc. (IL)

Ive attempted to contact Sezzle on the XXXX of XX/XX/2024, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I seen that there were many fees added to payments making it hard for me to have them up to date. For example, a {$19.00} biweekly payment was {$45.00} eventually with all the fees accumulated. I contacted customer service to talk to get in contact with a supervisor. I was told on XX/XX/XXXX that I would be getting a call back from a supervisor. I was not given a call back. I kept calling back to follow up and I received apologies but no call back. The loans were so small that I would think I would get some grace. This company has lied to me and charged me multiple fees. I reviewed my credit report today and found that my account was reported as 30 days late for XXXX on today, XX/XX/2024. This is an installment loan that I never gave permission to report. I just found out about Sezzle Up. I never gave this company permission to report this personal business matter with the credit bureaus. Sezzle XXXX XXXX XXXX  was never given permission to report my account. Is there something that I signed to give them permission? I did not give the company permission to report anything with the 3 credit bureaus.
Consumer complaint received 2023-10-27
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 writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

Plaintiff filed a Complaint for Money against Defendant on or about XX/XX/XXXX. The summons was served to an XXXX elderly individual, XXXX XXXX on XX/XX/XXXX. See XXXX for XXXX XXXX. XXXX. Although, XXXX XXXX signed the summons on XX/XX/XXXX, I, XXXX XXXX never received notice of the documents filed at the XXXX XXXX XXXX. XX/XX/XXXX, Plaintiff filed its Motion for Default Judgment, and ultimately, the Motion was granted by the Court on or about XX/XX/XXXX. In recent, Plaintiff filed a Motion to Revive a Dormant Judgment and after being served on XXXX XXXX, I filed an answer with the court. See XXXX for XXXX XXXX. XXXX. A Revivor Hearing was held XX/XX/XXXX, and magistrate, XXXX XXXX, granted the Revivor Motion without reviewing any documentation. XX/XX/XXXX, I, XXXX XXXX filed a Civil Motion to Vacate and Dismiss Judgment and Plaintiff, XXXX XXXX XXXX has failed to respond to the court within the requested timeframe. 
The summons filed reflects incorrect information and I have filed an Affidavit in which I never was put on notice regarding the filing of this complaint. This complaint pertains to an account that was entered into a payment plan with Credit Advocates Law firm in XXXX and specified account/ debt has been satisfied. After 10 years, past the statute of limitations, XXXX XXXX XXXX XXXX wants to pursue a Default XXXX that was served upon the incorrect individual. I have lived in the same home, same employment and have had the same bank account information yet after so many years, this " debt '' is not even reflected on my credit report. 
There is an open dispute with XXXX XXXX XXXX XXXX and I have also requested documents from them on XX/XX/XXXX, and XX/XX/XXXX and as of today 's date, I have yet to receive any information. XX/XX/XXXX, I filed a Motion with the court to Vacate and Dismiss and XXXX XXXX XXXX XXXX was to respond to said motion by XX/XX/XXXX and they have failed to respond to the court as well.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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