davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

my name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX living breath XXXX born in the XXXX XXXX there fore I am afforded all of the rights put in place by our governmrnt and gaurenteed by my citizenship This Complaint is NOT A DUPLICATE I repeat THIS COMPLAINT IS NOT A DUPLICATE.In order for a complaint to br duplicated there would have to have been a finding of XXXX a proper investigation would have had to be don for wich neither has taken place .It is my legal right to ask for evidence used against me wich i have done so on numerous occasions, but my request for evidence has been repeadetly ignored wich is a violation of my rights by USSA , and the credit bureas XXXX. 
XXXX*My credit report shows 2 late payments more than days late ****MY COMPLAINT IS THE DATA FURNISHER IS REQUIRED BY LAW TO PROVIDE ME EVIDECE OF AN INVESTIGATION AND IF THE CFPB WILL LOOK BACK THE WILL FINT THATS I HAVE BUT NOTHING HAS EVER BEEN FROVIDED IF THE CFPB LOOKS BACK I HAVE ASKED FOR EITHER THE APPLICATION WHERE I APPLIED TO BE JOINT ON THIS ACCOUNT OR AUDIO WHERE I VOCALLY REQUESTED TO BE JOINT, AND HAVE NEVER BEEN PROVIDED .i WAS ASKED VIA A VOICE MAIL MBY A MEMBER OF USSA SUPPORT TO CALL THEM I DID SO OM 3 SEPERATE OCCASIONS AND LEFT VOICEMAILS BUT NO FURTHER CORRISPONDANCE CAME FROM MY ACTIONS cfpb I AM AWARE OF MY RIGHTS AND THER HAS BEEN CLEAR UNDEBATABLE VIOLATIONS MADE TO MY RIGHTS BY USAA. 
CFPB ALLOWING THIS FILE TO REMAIN ON MY CREDIT REPORT FURTHER VIOLATES MY RIGHTS, AS I WAS EXHAUSTED ALL TIME AND ACTION REQUIREMENTS ASKED OF MYSELF THE CONSUMER TO BE IN THE CLEAR TO REQUEST THE REMOVAL. i ASK THAT YOU ASK THEM TO REMOVE THIS FILE IMMEDIATLY AND I WOULD BE MUCH ABLIDGED IF YOU WOULD SEE FIT T GRANT MYSELF THE CONSUMER A MONATARY PAYMENT PER VIOLATION AS STATED IN THE FCRA BEING THE ELONGATED DAMAGE AND REJECTION THIS FILE ALONE HAS COST ME .THANK YOU IN ADVANCE SO JUST SO WE ARE ALL OF THE SAME PAGE cFPB A FAIR RESALOUTION IS THAT USAA EITHER PRODUCE A COPY OF MY APPLICATIN FOR JOINT ( THEY ( CREDITORS ) DO NOT JUST GO AND MAKE RANDOM OR EVEN REQUESTED PEOPLE JOINT MEMBERSHIP TO AN ACCOUNT FITH OUT FIRST APPLYING. THEY EITHER PRODUCE A COPY OF MY APP WITH MY SIGNATURE OR AUDIO OF ME VERBALLY APPLYING OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT PER MY RIGHTS GRANTED IN THE FCRA
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of fraudulent accounts that have been reported on my credit report. Upon reviewing a recent copy of my credit report, I discovered accounts that are not familiar to me and appear to be the result of identity theft or fraudulent activity. These incorrect accounts are negatively impacting my ability to obtain credit and are tarnishing my credit history.
Consumer complaint received 2024-04-05
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 file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I realized unauthorized debit charges on my company account. I notified the bank ( Truist ) the next day. Truist shut the card down immediately. Three out of fifteen fraudulent charges went through and was paid by the bank. Two were reversed but the larger charge for {$1800.00} was not. The bank refused to reverse this charge. I also filed a local police report and a FBI report. The police department has identified the person who made the fraudulent changes and an arrest warrant have been issued. But the bank still refuses to refund our money to our account. Under federal law, I reported these transaction within 2 business days to the bank and should be protected.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

I had previously asked for some help on getting the monthly payment lowered because I couldnt afford the payment because it went up and that wasnt discussed in loan agreement. I was greeted with disrespect and hung up on.
Consumer complaint received 2024-04-04
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 2023-06-23
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. (TX)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had an open account with XXXX XXXX XXXX in late XXXX. I paid them well until late XXXX. XXXX XXXX, has taken my situation as an opportunity to mislead creditors. In XX/XX/XXXX XXXX XXXX reported 120 past due and in XXXX they reported the same. Account did not go to charge off status until XX/XX/XXXX. I made several attempts, once I got back on my feet to pay XXXX XXXX, yet they sent my account to a third party. That third party promised to remove late payments from my credit file once Payment was rendered. I paid the third party, nothing was ever changed. In XX/XX/XXXX I reached out to XXXX XXXX to address the issue, they would not let talk to me regarding the account because it had been transferred. I reached out to Experian consumer reporting agency. Experian added a late payment to my credit that was false. It showed that the account was recently charged off witch affected my score tremendously. Both XXXX XXXX and Experian are at fault for false reporting. Experian has falsely updated information, the credit card company has stated it will not address my account.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my Follow-up complaint 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-04-04
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-04
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-10-18
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-04
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 2024-04-10
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
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 disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXX ( Equifax ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (PA)

I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2023-02-21
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: EOS Holdings, Inc. (PA)

The collection agency EOS CCA is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest.

I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit! 
I never had a credit agreement with EOS CCA. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!
Consumer complaint received 2023-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC. (CA)

Received a debt notice after being reassured by my insurance company that no debt was owed. 

The debt collector is : BC Services XXXX XXXX XXXX XXXX 
XXXX, CO XXXX
Consumer complaint received 2024-04-04
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. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX 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 2017-02-22
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc. (NE)

Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.