davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXXXX/XX/XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 states i have the right to privacy Also 15 USC 1681 section 6O4a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

For the last XXXX years, the company has been charging me interest on cash advances. However, I have never received cash advances. The company claims that vendors sometimes inputs purchases as cash advances to expedite transaction. Resulting in cash advances being reflected in my account that were actually purchases. If that's the case, this is an issue that should be immediately addressed by the credit card XXXX. The company is fraudulently charging interest that they are not entitled to. If this is happening in my account, it's probably systemic in every customer account.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC (WI)

UHG I LLC IS TRYING TO COLLECT A DEBT I DID NOT CHARGE ON THE CREDIT CARD. I HAVE CALLED THE ORIGINAL CREDITOR AND THEY DO NOT WANT TO DEAL WITH IT, SO THEY SELL IT TO A DEBT BUYER. I TRY TO WORK WITH THEM AND THEY WILL NOT INVESTIGATE THE FRAUD AND JUST SELL IT OFF TO ANOTHER DEBT BUYER. IT JUST KEEPS GOING IN CIRCLES AND THEY JUST HOPE I WILL PAY SO IT DES NOT RUIN MY CREDIT. I AM NOT PAYING FOR A CHARGE I DID NOT MAKE. I REQUESTED COPIES OF THE CREDIT CARD BILLS, STATEMENTS, CHARGES, SIGNED RECIEPTS, AND ANY XXXX, BUT THEY DO NOT RESPOND. NOW THEY WILL PROBABY SELL TO ANOTHER DEBT COLLECTOR.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX 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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 4th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

BANK OF AMERICA WILL NOT INVESTIGATE THE ACCOUNT FOR FRAUD CHARGES AND INFORM ME OF THE RESULTS IN FULL DETAIL OF THE INVESTIGATION ALONG WITH THE RESULTS OF ALL EXCESIVE FEES AND CHARGES ON THE ACCOUNT. I HAVE CALLED, AND MAILED LETTERS TO THIS ISSUSE AND THEY DO NOT RESPOND. THEY HAVE ALSO RUINED MY CREDIT REPORT WITH NEGATIVE INFORMATION THEY WILL AND CAN NOT PROVE IN COURT DUE TO UNATHARIZED CHARGES ON THE ACCOUNT.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

Equifax, XXXX and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family. 

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.
Consumer complaint received 2024-01-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (TX)

Never received original letter discussing debt nor repayment options Have been garnished for over the original amount owed Account continues to accrue interest No statement provided each period as required by law- FDCPA and truth in lending disclosure AAFES defers to XXXX however AAFES  still garnished tax return- if debt belongs to XXXX now , how can it be treated as federal??
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I was told i was denied a loan modification because i had one in XX/XX/2009 after the mortgage crisis and i was on a balloon adjustable rate and because of make your home affordable, my mortgage company had to help me. Now they are denying me assistance with a modification
Consumer complaint received 2024-01-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank is punishing me because I refuse to open a bank account with them so that they will allow me to pay my mortgage online. I have paid my mortgage the same way every month for well over a year, via online bill pay through XXXX XXXX  directly to Truist Bank, and I just received an email from Truist Bank that says that I have not paid my mortgage for this month. That is not true and I have the receipts to prove it from XXXX. I'll attach them to this complaint. Truist is just trying to punish me for not opening a bank account with them in order to pay my mortgage. There is no way to contact Truist bank via email to resolve this matter -- only via a XXXX number that will undoubtedly go unanswered and I will not have written proof of anything that was said during a call. This better not hit my credit, and this is happening often enough that I consider it harassment at this point.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

Affirm Inc is the company I paid on a course to take the XXXX but decided to go a different direction. I was paying a head of schedule so I called the company and they said that it would be taken care of. I was supposed to get my money back that I paid in but that did not happen. To make things worse, they have tried to say I have not paid my debt and I am tired of dealing with them. If you look at my credit, you will find that I pay my bills. Please help.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediatelyXXXX CITICARDS CBNA XXXX {$2400.00}
Consumer complaint received 2024-01-16
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. (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.

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 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX XXXX XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

N accourdance with The Fair Credit Reporting Act XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states i have the right to privacy. 15 USC 1681 section ( a ) It also states a consumer report agency can not furnish a account without written instructions.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

On the statement, a notice appeared stating that if I wanted to switch cards to a no fee card, I could call them and do so. When I called I was told that I needed to " apply '' as a new customer, but with a notation on my account that my existing credit line would automatically go to the new card. I did that, and the application was rejected. Barclays told me that I could switch cards, then after I asked to switch I was rejected. I sent two letters asking for an explanation, and received ZERO replies. The letters are attached.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

According to XXXX this company does not have a license to collect ANY debt in the state of Texas.

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$260.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Consumer complaint received 2024-01-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX