davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (CA)

I AM ASKING THE CFPB TO LOOK INTO THE REPORTING PRACTICES OF EXPERIAN DUE TO THE MULTIPLE ERRORS THEY HAVE ON MY REPORT. THEIR INACCURATE REPORTING HAS CAUSED SEVERE DAMAGE TO MY ESTATE, MY REPUTATION, HAS CAUSED GREAT DETRIMENT TO MY FINANCIAL LIBERTY, AS WELL AS MY RIGHT TO LIVE. THERE ARE 21 DIFFERENT NAMES ON MY REPORT, MULTIPLE ADDRESSES, MULTIPLE PHONE NUMBERS, THEY SAY LACK OF CREDIT HISTORY IS DAMAGING MY ABILITY TO OBTAIN CREDIT BUT HAVE 2 ACCOUNTS MORE THEN 10 YEARS OLD. EXPERIAN ALSO HAS 3 CLOSED ACCOUNTS WITH DELINQIENCIES OF 150 DAYS OR MORE. AS A NATURAL CONSUMER PERSON I CAN NOT OWE A DEBT AND GIVEN THE FACT THAT THEY MADE A MISTAKE i HAVE ASKED THEM TO FOLLOW FAIR CREDIT PRACTICES AND TO PROVIDE ME WITH A CONTRACT WITH MY SIGNATURE. THEY HAVE YET TO DO IT BUT THE 3 ACCOUNTS REMAIN ON MY REPORT. THESE DAMAGES CAUSED BY EXPERIAN HAS LEAD TO HOMELESSNESS, POVERTY, AND ARE A VIOLATION OF MY PRIVATE UNALIENABLE RIGHTS. 

I DO NOT UNDERSTAND HOW THE POWERS THAT BE ALLOW EXPERIAN TO HAVE A PAID SERVICE TO REPORT ON THE PEOPLE IN THE STATE. IT SEEMS AS IF WE ARE PLAYING A GAME OF JURISDICTION WITH THESE CORPORATIONS SUCH AS EXPERIAN. THEY ARE DETERMINING BY PROVIDING FRIVILOUS INFORMATION WHAT SPACE PLACE TIME PLANE OR JURISDICTION WE ARE ON. BY ACCEPTING THE FEDERAL RESERVE NOTE FOR PROVIDING PRIVATE INFORMATION ON PRIVATE INDIVIDUALS DOES NOT SEEM ETHICAL AND ON TOP OF GETTING PAID FOR IT THEY CAN MAKE UP THEIR OWN FORMULA TO GRADE XXXX WITHOUT GIVING XXXX THE CALCULATION THEY ARE USING. CAN IT BE EXPLAINED AND HOW WOULD IT BE EXPLAINED IF A NATURAL CONSUMER PERSON HAS CREDIT BACKED BY THE NATION?
Consumer complaint received 2024-05-17
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. (OH)

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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 am writing to formally lodge a complaint against Equifax for their persistent refusal to update my credit report to reflect debts that have been legally settled. Despite court rulings and multiple attempts to submit the necessary documentation, Equifax has failed to update my account information or remove incorrect tradelines, causing ongoing damage to my credit score. 

Courts have conclusively ruled that the debts in question have been settled. I have repeatedly uploaded and submitted signed court documents verifying these settlements, yet Equifax continues to report the debts inaccurately on my credit report. This failure to update my information is causing significant harm to my credit score and my financial standing. 

XXXX refusal to accurately update my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to correct this information despite clear evidence of the debt settlements is unacceptable and warrants immediate investigation and action.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-14
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: Experian Information Solutions Inc. (VA)

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 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 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Violations of The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I am a victim of identity theft. The thieves charged my Sam 's Club Mastercard several times. I've been calling Sam 's Club finance service synchrony bank for months to dispute these charges and to tell them that that was not me. I was charged multiple times for " XXXX XXXX. 
Charges from XXXX : {$520.00} - XX/XX/23 {$550.00} - XX/XX/23 {$400.00} - XX/XX/23 {$4500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$1500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$570.00} - XX/XX/23 {$4300.00} - XX/XX/23 {$420.00} - XX/XX/23 {$4500.00} - XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 I have been calling both companies for months and there has been no resolution. All of the fraudulent charges are equating up to {$20000.00}. There is evidence attached to show all of these charges. It clearly shows on the billing statement how these XXXX charges are located in places like the XXXX XXXX XXXX XXXX. This has to be resolved ASAP.
Consumer complaint received 2024-05-15
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. (SC)

I have submitted all the requested documents to this company showing proof that I am a victim of identity theft from the IRS Equifax breech and the FTC report that they have requsted and this company fail to removed inaccuate inquiries from XXXX and XXXX XXXX off my credit report. These inquires are unauthorized and are not mine. I have also sent in my Social security card ID and proof of address with the correct address and this company fail to update my person information that clearly shows on my ID
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The situation is alarming. Yesterday, I was unable to log in to my online banking for Bank of America. It stated that my account was locked for security reasons. Upon calling, I was informed that they had closed my account, citing that 'Bank of America can close anyone 's account at any time and without notice, ' thus terminating our business relationship. While I was not particularly concerned about banking with them, I urgently needed access to my funds. However, they informed me that they would withhold my funds until XX/XX/year>, and 10 business days thereafter before issuing a check by mail. I insisted on expedited processing within 1-3 business days, as I believe that no bank can hold individuals ' funds without a court order. Legally, they are not entitled to do so. Additionally, I want to address the discriminatory practices of this bank, which has a reputation for targeting minorities and exhibiting XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc. (CT)

I have closed this account since XX/XX/2022. The balance was XXXX XXXX  {$300.00}. I have been paying XXXX XXXX {$45.00} every month, sometimes more and the card never goes down but instead it goes up. They are still charging as if the account is still open. For example my last payment at the end of XXXX was XXXX XXXX dollars and the cards balance was {$300.00} but when I look at the balance now ; is still {$300.00} even after the XXXX XXXX payment and now they are charging me {$94.00} for the end of XXXX and my card is still in the negative numbers. I do not understand why. I had to call every month and even when I paid early they will not apply the payments because I was " too early ''? I really need help with this situation. All I wanted was to keep paying a regular monthly payment until it was paid off but this card is a scam to me. And it is also affecting my XXXX XXXX. This js the only card I have issues with. I paid off XXXX and XXXX with no issues except this Avant LLC card. I am a XXXX XXXX XXXX XXXX woman trying to make things right.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i previously contacted the bank to reconsider my claim due to being XXXX  at the time of incident all my information had been stolen and used in identity theft. u explained to bank and a week later the have same denial.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (SC)

This debt was originally with XXXX for a charge belonging to my ex wife. XXXX turned the debt over to convergent outsourcing. Convergent could not provide any proof that the debt was mine because it wasnt. In order to fix my credit because they refused to correct the issue, I paid the debt, years ago. Subsequently the debt was removed from my credit report. It has been about 3 years and now the debt has popped back up on my credit reports causing hardship. I am frustrated with trying to resolve this issue and the company will not respond to my requests. They dont communicate nor will they respond to my repeated attempts to resolve this issue
Consumer complaint received 2024-05-17
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2024-08-30
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)

I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-17
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 XXXX party. They in fact did not come from a XXXX 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 2024-05-17
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-30
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. (MS)

I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from Transunion, XXXX, and XXXX include incorrect information with varying and outdated dates.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

These listed consumer agencies are including information this is illegal and confidential according to law 15 US code 1666b. Reporting personal experiences between the person and consumer. Late payments I've never been late. But the information should not be included in a consumer report.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score Dept of EducationXXXX student loan XXXX - {$8200.00} ( XXXX and XXXX 90days late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-17
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. (MO)

This company continues to violate my rights under US code1601 and 15 US code1692 c. Charge off accounts and late payments. The following accounts Deversified adjustments {$210.00}. I have no contract with this company. Never signed anything. Neither was I legally notified about my consumer report being shared with these company. 
XXXX XXXX XXXX XXXX {$290.00}. ACCOUNT XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$340.00}. XXXX XXXX XXXX $ XXXX THE Following XXXX which was already removed and recently re added under a new XXXX party XXXX Further since I haven't signed any agreements with the previous listed persons, neither written or oral these accounts or uncollectable by law. I have requested that the persons cease all communication with me oral or written. This includes my consumer report. The reporting agency 's are not requesting or sending the information that congress says is necessary. I haven't received any requests from these agencies. Neither notices. By law I must be notified.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-17
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

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 : 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