davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a follow up to a previous submission with respect to Spirit Airlines. The CFPB falsely stated that they contacted me for more information. I never received any request from the CFPB for more information. I do not know what information could possibly be needed since no one contacted me about anything. I think CFPB is political ly charged and investigates claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no investigation occurred. For the record, spirit cancelled my flight and left me stranded in XXXX for 7 days. Spirit never offered or provided any travel voucher or other means of compensation for the matter. The original issue follows to which you alleged a request of information which you did not or at least I never received such request. 

The problem here is with Spirit Airlines which is required to comply with XXXX rules as far as transactions go and FAA rules with the handling and processing of significant delays and carrier cancellations. Spirit Airlines complies with neither. Take for example three confirmation codes as follows : XXXX, XXXX, XXXX. What spirit does which not only skirts the said rules/statutes, it, also, improperly and via irreparable harm places a hold on funds for several days ( in some cases up to 3 business days ) thereby preventing the use of funds, since this is a debit card, not a credit card, and then after holding up the funds Spirit releases the hold and cancels the confirmation code associated with the attempted booking. Now, what is particularly important is that there is a link between Spirit Airlines and illegal monitoring of my internet data, since I I literally watching Spirit Airlines change and modify flight details like price in particular as I am actually walking through the steps to finalizing the booking. And all of this occurs very quickly usually in under a minute. So what we have here is almost like some sort of criminal intent whereas Spirit Airlines is trying to control or override my free my free will by creating impossible, irregular, unreasonable delays, and extraordinarily costs the intent or which is to interfere with my travel itinerary. Then they have the audacity, after trying to scam me, to try and XXXX me more by asking for more money I.e. modification and upcharge fees for their FAA non-compliance. This non-sense with Spirit Airlines is surreal.
Consumer complaint received 2024-06-16
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. (MS)

I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 .

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : XXXX XXXX Equifax Pursuant to XXXX XXXX XXXX I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED )
Consumer complaint received 2024-06-18
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. (LA)

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX. And hard inquiries that include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
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. (FL)

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (GA)

I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. 
Please provide me with a written confirmation of the correction once the investigation is complete. Please help me correct these accounts : XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2100.00}.
Consumer complaint received 2024-06-16
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)

XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

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 2024-06-16
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)

I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-17
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)

XXXX XXXX ss # XXXX XXXX : XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the the EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX XXXX XXXX opened on XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

They have been several inquiries that showing on my credit report without my authorization. Spoke with Trans Union about having them removed. Its been over XXXX  days. Still havent got a response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with ( XXXX, XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX ) 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 2019-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RENASANT CORPORATION (GA)

I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX XXXX   for an auto loan that they charged off on XX/XX/XXXX. Renasant Bank then merged with XXXX XXXX after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid one for right off on taxes a two for money out my pocket.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MI)

I was told in XX/XX/2019 that I was listed in a company called Early Warning Services when I went to open a bank account. I have never done anything wrong with any bank whatsoever and Ive tried several times to contact this company with no reply. This is unfair and unjust!
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I found out that 5/3 Bank improperly managed my escrow account on my home mortgage again. I paid my mortgage payment/insurance but they failed to pay XXXX bureau insurance 2 separate occasions, then their 3rd payment failure left me unknowingly without homeowners insurance from XX/XX/XXXX until XX/XX/XXXX. They also failed to track down money they paid out of my escrow for the homeowners insurance for XX/XX/XXXX to XX/XX/XXXX but say i was not covered, my {$1200.00} is still missing months later & no one has contacted me. Due to negligence by 5th/3rd Bank , my house was unprotected for over 365 days! Once I found out, I got a new policy with XXXX  effective XX/XX/XXXX. However 5/3 bank just sent Me a letter ( XX/XX/XXXX ) stating that they purchased a policy on XX/XX/XXXX for {$2700.00} that I have to pay but doesn't cover me, it only covers the 13 days that it took for me fix their mess & get a new homeowners policy XXXX XXXX XX/XX/XXXX. THEY JUST DID THIS AFTER I FILED THE 1ST COMPLAINT, THIS IS CLEARLY RETALIATION AGAINST ME, THE SOLE PROVIDER TO A FAMILY OF XXXX! EVEN THOUGH I PAY MY MORTGAGE PLUS {$300.00} EXTRA EVERY SINGLE MONTH WITHOUT FAIL. THEY HAVE THE NERVE TO FAIL TO PAY MY ESCROWED INSURANCE POLICY ONTIME SEVERAL TIMES NOW, LAPSED MY HOMEOWNERS FOR 365 DAYS PLUS THEN TRY TO CHARGE ME THOUSANDS FOR THE COUPLE WEEKS IT TAKES ME TO SORT OUT THEIR MESS! 5TH/3RD BANK IS TRYING TO STEAL OUR HOME!
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.