davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Dear Equifax, I am writing to bring to your attention a fraudulent account that has been inaccurately reported on my Equifax credit report. I recently discovered this account and I can assure you that I have no knowledge or involvement in its creation. I am deeply concerned about the impact this fraudulent account has had on my creditworthiness and the stress it has caused me. 

Below are the details of the fraudulent account as listed on my Equifax credit report : Account Type - Detail : XXXX XXXX XXXXXXXX Code : Joint Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$17000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I hereby declare that I did not authorize the opening of this account, nor have I ever taken out an auto loan with the creditor mentioned. This fraudulent account is causing significant distress and is detrimental to my financial standing. I kindly request that you investigate this matter urgently and take the necessary actions to remove this fraudulent account from my Equifax credit report. 

Furthermore, I have filed a police report with [ XXXX Police Department ] on [ Date ] regarding this incident. The police report number is [ Report XXXX ]. I have attached a copy of the police report for your reference. This report serves as evidence of the criminal activity associated with the fraudulent account. 

In support of my complaint, I would like to bring your attention to relevant case law that supports the removal of inaccurate and fraudulent information from credit reports. [ Provide the names of relevant case law or statutes ]. These legal precedents affirm the responsibility of credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they report. 

I expect Equifax to fully comply with all legal requirements and promptly investigate this matter. It is imperative that you take immediate action to remove this fraudulent account from my Equifax credit report, in accordance with the law and to rectify the damages caused by this identity theft. 

Additionally, I kindly request written confirmation from Equifax once the fraudulent account has been removed from my credit report. This confirmation will serve as evidence that the necessary actions have been taken to address this fraudulent activity. 

Please treat this matter with the utmost urgency, as it is negatively affecting my financial reputation and causing undue stress. I trust that Equifax will handle this complaint efficiently and in accordance with all applicable laws, regulations, and legal precedents. 

I can be reached at the contact information provided above should you require any further clarification or documentation regarding this matter. I look forward to a swift resolution of this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (IL)

How many times did I tell you to removed these accounts from my file as they were fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MiraMed Revenue Group LLC (NY)

On XX/XX/2024, I spoke with a representative and asked her to continue all communications via mail, I would like to no longer be contacted via phone. Since that date, I have received a phone call every day, at least once sometimes twice a day. I spoke to someone today, letting her know the same thing. That I do not want any more phone communication with this creditor.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between years of XXXX to XXXX. I have opened two visa credit cards with Bank of America one was at XXXX XXXX XXXX XXXX XXXX, CA XXXX another one was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. 
Both Credit cards never arrive to my home address after more than a month, I called Bank of America to tell that i didn't receive my credit cards after more than a month. they asked my cell phone number and sent me a code to verify. after a few days, i received a new credit card with a new number and then after another a few days i received another credit card again with a different number. i called bank of America again to tell them that i received two credit card with two different number, they said they are the same. 
i went to the Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX tried to cancel my two credit cards, but didn't successful. i have called many times and fight a lot with Bank Of America then they cancelled my credit cards.. 

I think they are cheating customer to open more credit cards. 

i had a problem with BOA with opening credit card at XXXX XXXX XXXX, ca XXXX.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

I have a Paypal on line account for playing games and it goes to my banking acc when I win money playing games. Last week I applied for a prepaid Paypal card it was cheaper then my XXXX XXXX acc. ( The fees to use it ). Today I recieved the prepaid card and also a letter from Synchrony Paypal saying they denied me for a credit card. I have never applied for that card. I spent 2 hours on the phone trying to get it resolved after talking to the 12th person they said it could take up to 30 days to get it removed. I haven't registered the prepaid card do to the other letter. I haven't ever tried to get a credit card from this company do to my medical  bills giving me bad credit when the hospital billed me when I was low income they wrote them off and I'm still trying to get them off my report. I know I can't get a card so I don't apply for them. Please take this off my report.
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

This is a follow up to the complaint I filled with CFPB on XXXX complaint XXXX XXXX, I was contacted by BOA Resolution Specialist, XXXX XXXX XXXX XXXX 
BOA modification department requested additional information which I have timely submitted and they are in a satisfactory standing by BOA, however, BOA is coming back asking for additional new information that are totally unrelated to the my loan mortgage modification such as for example, I have to prove that my wife is living with me in the same house? Unbelievable request, yet I did provide the additional information to verify that, I have also submitted more financial information over and above what they asked for, which is satisfactory to BOA Yet I am still getting phone call messages form BOA for additional, frivolous, demeaning, intimidating and insulting information that are being fabricated to induce delay. I have written a detail letter to XXXX XXXX that I am enclosing with my complaint f.or your review At this point, it is very clear to me that BOA is delaying the inevitable modification by keep increasing my loan amount and pressure me into accepting a marginal modification offer that I will have to accept in order to stop the clock, again, a predatory tactic. BOA keep asking for more and more totally irrelevant information and documentation that are unrelated to my loan modification, in the meantime my forbearance amount keep adding up with the higher and not modified monthly payment eating up my equity and increasing my loan.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (SC)

Account : XXXX XXXX XXXX XXXX act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Park Hill Holdings (GA)

A company called XXXX is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
Consumer complaint received 2023-10-21
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. (MI)

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a XXXX XXXX XXXX XXXX looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (SC)

This is a New Jersey based bank, I opened this account in XXXX and closed in XXXX, relocated and invested in further development... 

Too busy ... .at the time... my interest rates accrued were not enough ... or not deposited at all They have all this info.archived.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute to all three credit bureaus about XXXX XXXX acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken
Consumer complaint received 2023-10-21
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: CITIBANK, N.A. (NH)

I have recently had my Master Card Credit card hacked and used to make fraudulent purchases. 
I am writing this letter as recommended by the NH department of justice Consumer Protection & Antitrust Bureau ; When dealing with credit card fraud. I have reported this Citi Bank Master Card. The following is Chronological listing of events. 

XX/XX/23 Six day passes purchased at XXXX XXXX XXXXXXXX CA. for {$380.00} using my Master Card. 

XX/XX/23 XXXX XXXX charge is recorded by Citi Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to my card XX/XX/23 I notify Citi Bank of this fraud and a new card is issued to me and the {$380.00} charge is reversed pending Citi Banks investigation. 

XX/XX/23 Citi Bank sent me a notice that their investigation is complete and the {$380.00} charge is Reinstated, base on a report submitted by XXXX XXXX. The XXXX XXXX report notes that at the time of purchase, all of the security checks were met. The credit card frauds had the correct credit card #, expiration date, 3digit security code, my address, cell phone #, and email address. At some time and place in the past this information was stolen. 
The {$380.00} charge was reinstated to my account on XXXX 

XX/XX/23 I contacted Citi Bank to again dispute this charge, at their customer service # XXXX XXXX XXXX XXXX. 
They responded by stating it would take up to 90 days for their investigation. 

I also contacted XXXX XXXX at the Ticketing Team at phone # XXXX XXXX XXXX to dispute the charge. 
I spoke with an agent named XXXX ID # XXXX. Since that call they have sent me a written response stating that I need to work this out with Citi Bank Master Card.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (TX)

Im following is a plant for numerous of reasons that company XXXX XXXX is reporting in an accurate phone number and address on my credit profile for the company. I send out this exact same letter to the company. XXXX. I was in the process of shopping for a car as I pulled my credit I have noticed that you charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Name XXXX XXXX XXXX  XXXX Account This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately XXXX XXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (LA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-21
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 am writing to formally file a complaint regarding my persistent efforts to correct a late open account on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX  Balance : {$4100.00}.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (TX)

I informed Experian and XXXX that account XXXX XXXXXXXX XXXX  reporting on my credit report is incorrectly reporting and should not be on my credit report. They are reporting a balance when this account is closed, and the statute of limitations has surpassed. The debt is uncollectable and should be reporting a {$0.00} balance. Furthermore, they are reporting that this account is in collections when it is with the original creditor XXXX XXXX. This is a violation of the FCRA. They were instructed to provide how they conducted their investigation and provide proof of their reporting, but they failed to do so. XXXX has since removed this account from my credit report. I also submitted a XXXX complaint against the company and the XXXX  has come back saying that the company failed to respond and did not validate this account. I will attach the XXXX response to this complaint. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. I take my credit very serious, and your lack of professionalism and assistance is gross misconduct. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response and removal of this account just as XXXX has removed it.