davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (AR)

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open account from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. The late open account on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act (FCRA), that accurate and upto-date information is crucial for the fair evaluation of consumers' creditworthiness. I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct this late open account in my credit file: XXXX XXXX Balance: $0.00.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I was affected by Wells Fargos unlawful practices. My data was released by Wells Fargo and for compensation the bank promised for settle claims by the CFPB for banking violations. My data can now be found online because of this and recently I had fraud on my account from somewhere outside of my range and a location that I had never accessed in person before. Therefore, fraud was committed on the behalf of this scandal and caused my debit card to be closed making it difficult for me to live normally.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I wrote a check for {$11000.00} payable to an insurance company and sent it by certified mail. The mail never got to the sender and the check was intercepted and rewritten leaving my signature. I filed a report with the police department, post office and the fraud department at Bank of America. After months of numerous attempts to get information with no success they finally sent me a form letter saying there was no fraud. Clearly if they really investigated they would know that this is fraud. I have documentation from the police, post office and bank for everything.
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express prepaid gift card from my company. I made 2 small purchases on XXXX with it, but the 3rd purchase attempt failed ( attempted purchase amount of {$170.00} ). I called AMEX XXXX XXXX XXXX XXXX XXXX and they said purchases at XXXXXXXX XXXX XXXXXXXX have been blocked, " try somewhere else ''. I went to the third-party site XXXX XXXX XXXX XXXX XXXX to purchase the same XXXX battery directly from them but the purchase was again declined. I called AMEX back on XX/XX/XXXX XXXX XXXX XXXX and they said they unblocked all sites, wait 24 hours and try again. I tried around XXXX XXXX XXXX XXXXXX/XX/23 using the card again on XXXX XXXX XXXX and still declined. I tried again on XXXX as well. I called AMEX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX they said nothing is wrong on their side and to just keep submitting orders until something goes through. I tried again on XXXX XXXX XXXX XXXX XXXX  around 20 times and all declined. Now I have {$300.00} stuck on this card that no one will seem to take and AMEX support is no help to resolve.
Consumer complaint received 2023-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have no knowledge of these hard inquires these inquiries involve identify theft and must be removed no later then XXXX business days as per 15 u.s code 1681 c-2 iam a victim of data breaches exposed by XXXX breaches. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This credit card started out as just a " store '' card at BJ 's XXXX XXXX. It eventually grew to more in order to save money at the gas pumps and get better rewards programs. My husband and I have not been able to work. I have been out of work due to medical issues and XXXX helped to put an end to my husbands return to work. He is XXXX and diagnosed with XXXX XXXX, he can not do the same thing he did 10 years ago. We are drowning in debt. We get SS and XXXX but that no longer covers the bills. We are going to have to choice what utilities we want turned off because we cant pay them all. We have had to pay home repairs, car issues, all the bills /utilities have gone up. I think that is pretty much the case for many people. BJ '' S/ Capital One has increased the percent of credit 6 times in the last year. It seems like every time the balance get increased for what ever reason, the rate goes up. It started at XXXX and is now at XXXX. My minimum payment was around the {$230.00} range but then around XXXX it starting it increasing, of course due to the increase in interest rate. I have called them and written them but they say that they are " unable to lower the annual percentage rates ''. There explanation for that is a bit confusing to me " We determine the different fees and rates for each of our products depending on the services we include and the markets where we offer them. We continually review our rates to asses their competitiveness '' Exactly what " products '' are they referring to. We are all aware of the price increases all over in our country, if the credit card company 's increase their interest rates along with the cost of the products we buy, such as groceries ... ..... I will not be the only one hitting bottom. I literally have NO money right now. We have about {$40.00} between us. Checking accounts are at {$20.00} or so. When our SS checks come it I pay what bills I can, but I still need some spending, for gas, groceries, whatever. I have applied at our local Social Services and received a HEAP payment but that was a one time credit. I have not been approved for anything else. These rates are going to bury us, I just dont know what to do. The {$360.00} current interests fee makes me sick. The minimum payment of over {$500.00} is impossible for us to do so I am sure other fees are ( late fee, min payment not met, etc ) going to be added with will only increase the balance and from what they have told me there is no cap on rates they can charge, so I am sure that annual interest rate will continue to rise. We will not recover from this. Is there anything you can do to help us? Thank you for your review and time.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-28
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. (NY)

XXXX XXXX XXXX XXXX Please start a XXXX and prove that this XXXX  actually belongs to XXXX. 

XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX I was never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late on this XXXX- Please check the status on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following XXXX  information is incorrect
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Consumer complaint received 2023-12-28
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)

see attachment for full dispute RE : Federally Protected Consumer Complaint Count 1 : Negligent Noncompliance with FCRA 611 Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] 1. On XX/XX/2023, I received a credit report from Equifax ( Exhibit XXXX ). 
2. The credit report included the results of an investigation into disputed information. 
3. The investigation results indicated that XXXX XXXX XXXX  and XXXX XXXX were currently not reporting on the Equifax credit file ( Exhibit XXXX ). 
4. Furthermore, the investigation results stated that the XXXX account had been deleted from the credit file ( Exhibit XXXX ). 
5. It is pertinent to note that the XXXX account is furnished by THE XXXX XXXX XXXX XXXX 
6. Despite the conclusion of the investigation, these XXXX accounts have persistently remained on my credit file. 
7. Equifax is legally obligated under 15 U.S.C. 1681i ( a ) ( 5 ) to promptly delete this information from my consumer file following the reinvestigation of these accounts ( Exhibit XXXX, Exhibit XXXX ). 
8. Equifax 's failure to promptly delete these items constitutes a breach of its duty, resulting in significant harm to my credit report and credit score. 
9. Equifax is further liable for willful noncompliance with these regulations concerning each account.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

In or around XX/XX/2022, I retained Universal XXXX Services , Inc. because TransWorld Systems , IncXXXX was reporting a collection account on my credit files and I never received written notice. Counsel requested that TransWorld Systems , Inc. verify the debt, but they have not provided the requested information adequately verifying the debt. In fact, TransWorld Systems , Inc. has violated multiple laws.
Consumer complaint received 2018-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (IN)

XXXX XXXX  a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a victim of XXXX XXXX and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an XXXX XXXX XXXX with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account Number : XXXX.
Consumer complaint received 2023-12-28
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. (TX)

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or Equifax ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or Equifax ) interactive service agreement. Thank you for noting my account
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On this day of XX/XX/24 I was reviewing my TransUnion consumer report dated XX/XX/24 and at that time I see I still have old and incorrect personal information that wasnt on My consumer report when I filed my complaint with the CFPB on XX/XX/24. After TransUnion removed the old addresses and multiple names variations they added ( 17 ) additional telephone numbers from 5 years or more. This information is being reported without my permission or a court order. TransUnion policy doesn't supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. I have attachments that will show the inconsistent information. There should only be correct precise information being reported on my consumer report. 1 ) address 1 ) name 1 ) Employment 1 ) D.O.B & 1 ) Telephone number.According to the FCRA ever consumer reporting agency prepares a consumer report it " shall '' follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

To whom it may concern, I have been having trouble with several accounts being reported to my credit reports that do not belong to me. I was informed that my information was sold and bought illegally because Im a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching ( XXXX ) proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. I have also attached ( XXXXXXXX ) the claim that I placed with Equifax for damages. 

I have attached a letter that explains more in detail
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number : XXXX  Amount Owed : {$0.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$960.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$480.00}
Consumer complaint received 2023-12-29
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. (TX)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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