davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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: BARCLAYS BANK DELAWARE (TX)

I rented an apartment in XXXX from XXXX - XXXX of this year. I paid for this with a credit card and including a deposit. I was supposed to get my deposit back, however, the rental company is saying there were XXXX XXXX in the unit and is refusing to give my deposit back. The same company is also causing issues with someone else I know and not returning their deposit. I think this is a scam and I was hoping Barclays would have my back. I have spent nearly {$200000.00} with them in the last year alone without even XXXX missed payment or any prior disputes. Barclays has been slow to respond to my dispute and I have inquired about dealing with my case XXXX by email to no avail. I have had to fax in documents, which I have done. I am just hoping to get this resolved soon and hoping that Barclays can help me stand against the rental company with shady business practices.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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 2022-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a first-year XXXXXXXX XXXX XXXXXXXX currently ( see attachment 1 for proof ). I opened a Bank of America ( BoA ) account on XX/XX/2022, before the semester begin. I was hoping to use this account to pay my rent and store my stipends. Unfortunately, things did not go well as expected. 

On XX/XX/XXXX and XX/XX/XXXX, I initiated 2 ACH transfers. The transfers are from my bank account ( ending XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX ( " XXXX XXXXXXXX, XXXX ) to my bank account at BoA. The total value is just XXXX dollars. I hereby confirm that I am the owner of the account ( ending XXXX ) at XXXX XXXX  see attachment 2 for proof ), and I myself initiated the two ACH transfers. The money in my XXXX account is also my legal money ( see attachment 2 for the XXXX bank statement, attachment XXXX for my pay stub, and attachment 4 for my XXXX funding letter as proof ). I moved my own money from one bank ( XXXX ) to another bank ( BoA ), there should be nothing wrong with it. 

However, BoA mistakenly treated these two ACH transfers as " suspicious '' ( see attachment 5 ) and closed my account because of the two ACH transfers ( see attachment 5 ). I have completely no idea why BoA identifies these two ACH transfers as " suspicious ''. 

The remaining balance in my BoA accounts ( totaling {$3600.00} ) is still frozen today ( XX/XX/2022 ). BoA also reported this ACH activity as a " suspicious '' activity to XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX, telling me that this may adversely impact my ability to establish an account at other financial institutions ( see attachment 5 ). 

I demand BoA take these actions : 1. Please reopen my BoA accounts.

2. Please unfreeze my fund as soon as possible. All the remaining fund is my legal money 3. Please report to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. that the ACH activity previously reported is normal and legal. 

I will collaborate with XXXX XXXX XXXX and start a lawsuit to solve this issue if my funds are not unfrozen within 30 days. 

======================================= Attachments : Attachment 1 : My proof of enrollment at XXXXXXXX XXXX. 
Attachment 2 : My XXXX bank statement at XXXX XXXX XXXX XXXX XXXX XXXX ( USA ). 
Attachment 3 : My XXXX pay stub from XXXXXXXX XXXX. 
Attachment 4 : Funding letter from XXXXXXXX XXXX 
Attachment 5 : The response from Bank of America to a previous complaint filed by me.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2022-10-10
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2023-05-04
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. (AL)

Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from self regarding late payments or my account going into default this account is showing as a charge off on my report Self financial is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

In XX/XX/2022 someone opened and account ( don't know what kind ) and it is in collections with XXXX XXXX XXXX for {$1100.00}... I never opned any accounts in XX/XX/2022... the debt is not mine
Consumer complaint received 2024-07-15
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (WA)

On XX/XX/year> and on XX/XX/year>, multiple fraudulent transactions were posted to my XXXX  account by a cryptocurrency company whom I had done business with. I had over {$400.00} in my account at the time.XXXX  decided to cover some of these transactions even though they were way out of my normal spending habits and took my balance to cover some of them and then overdrew my account by over {$1100.00} and froze it. Any suspicious transactions are supposed to be red flagged but they weren't and it was definitely more than suspicious as I have never spent this much money with this business all at once. It also included multiple transactions ( XXXX to be exact ) which were all for the same amount : {$380.00}. I have never spent anywhere close to that amount in a single transaction to this business so that was definitely again very suspicious. I have sent screenshots multiple times to both XXXX  and the business and neither of them will even acknowledge those transactions even with solid proof. One of those transactions went through yet no dispute was opened for it and no credit back was given. Since this happened, XXXX  has found some of the disputed transactions to be in my favor and they unfroze my account and gave me back {$340.00}. After I contacted their corporate office because I had attempted to contact them multiple times with no reply, I was finally given back the other {$60.00} owed to me only to have XXXX  overdraft my account the very next day, taking back the {$60.00}. Now my account is again overdrawn by {$550.00} and frozen with XXXX explanation. But I received several emails saying that they found several disputes NOT in my favor! How can they say some of them were in my favor and others are not in my favor when they were all made to the same company on the same date? This makes no sense.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 has violated my rights. Or a 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to address the ongoing issue regarding charge off accounts on my credit report and to make my fifth attempt to rectify this matter. Despite my previous attempts and providing substantial evidence to support my claim, the charge off accounts persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the accuracy of the credit reporting system. 

I request that you conduct a thorough investigation into these charge off accounts and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-05-09
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. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-01-10
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. (CA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. 

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, Experian, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I had a charge on my card for a {$19.00} transaction on XX/XX/XXXX. Everytime I try to go into the site to pay my balance, I get a message from the company they are having technical issues. I have always paid my charges off immediately but this one charge was missed. Also, I was sure I had a XXXX $ balance. I have to call the company everytime to check my balance and today we discovered why. Commenity 's website address on my charge card is wrong and does not work. This is for the commenity Ulta beauty card. So I am filing this complaint based on the fact the info on the card is incorrect. Also, I have a commenity Roamans card which I always had trouble getting into their site also. Commenity helped me reopen a new online account to fix that. However, I did not use that card after that ordeal because of the issues with their website. For the {$19.00} transaction which is trivial at best and I would have paid immediately, I have been charged XX/XX/XXXX late fee of {$19.00} and XX/XX/XXXX late fee of {$37.00}. Just ridiculous! here is the website address in quesiton : comenity.net/ultimaterewardscreditcard. It looks lik there may be an additional late fee of {$40.00} pending even though I asked for the payoff amount when I paid the bill today.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/2023, an official request was made to Carrington Mortgage for the payoff amount of a home loan. That request was sent to me via email that day. I then forwarded that information to my attorney, who then forwarded it to the title company for closing. The closing was XX/XX/2023. I received a call from the title company today, XX/XX/2023, to inform me that Carrington Mortgage declined the wire transfer to pay off the loan. I then called Carrington Mortgage and was informed that an email was sent to me on XX/XX/XXXX, to reflect an addendum of an additional {$3100.00}. I informed the supervisor that I never received any communication reflecting a different amount. The supervisor informed me that there were two additional documents emailed to reflect two different payoff amounts. I informed the supervisor that I never received an email indicating these changes in payoff amounts. I also expressed that my concern about this information being negatively reported to the credit bureaus. The supervisor said there was no wrong doing on their part and there was nothing he could do. I immediately wired the additional funds ( difference between the three different payoff amounts ) to the title company so that the initial wire transfer could be released for payoff. This action is unfair to me as a consumer because I requested information and was given incorrect balances three times. The negative reporting to the bureaus for delinquent payment will negatively impact my ability to purchase my new home, which I am currently attempting to do.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-29
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. (IL)

I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA XXXX, in my understanding, mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed are inaccurate in terms of reporting, including inaccurate amounts and dates.