davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau (IL)

This company ( Medical Business Bureau ) reported a collections account debt on my credit report ( XXXX ). They did not send me any written letter regarding the existence of the debt. I have never done business with this company and the info posted to the credit bureau is false and a violation of my right under FCRA.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well Equifax says XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. The creditor 's contact information is missing.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have disputed these two XXXX  accounts on my credit report. The accounts continue to state verified as correct but then updates are made to some sections. The last times was through this same system confirmation # XXXX. And the information is still reporting and reporting incorrectly. 
To keep validating an account and then making updates shows the lack of accuracy in the reporting and its damage is causing lots of turmoil to my household
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MI)

I made deposit at Chase ATM on XX/XX/23 at XXXX XXXX  of XXXX. ATM was located at XXXX XXXX XXXX XXXX MI. Machine took my money then gave receipt that said to call to check to make sure my deposit went through. I did and Chase credited my account. Then came back like 2 months later and reversed credit causing my account to be negative. I wrote XXXX XXXX  letter to reopen my claim which was faxed a few times from a branch to chase and they claim the didnt find deposit and closed my account.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

InXX/XX/XXXX, I received loans for my online graduate program at XXXX XXXX XXXX. Two loans for {$10000.00} each. 
Since then, I received XXXX Forgiveness in the amount of {$17000.00} and another forgiveness amount of about {$9000.00}. I have also been paying monthly around {$500.00}. 

I looked at my statement today to see how many more payments I have left, only to see that I have a {$20000.00} balance. I looked at the history of my loan with Navient ( my original loans were with Sallie Mae and they transferred the balance to Navient ) and I saw 4 disbursement amounts : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$48000.00} XX/XX/XXXX {$21000.00} The XXXX amount are not mine. I don't know where they came from. I called Navient to inquire about the matter and was left on hold. I also emailed them to no avail as of yet. 

Please look into this matter, as I don't want this fraudulent activity to occur for anyone else, and I also want to be reibursed for this. 

XXXX XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Citi Diamond Preferred Card- Don't do it! 

On XXXX XXXX, XXXX  I called Citi to cancel my credit card account. At that time I made a sizable payment toward the remaining balance on the card, but did not pay in full. On XX/XX/XXXX, the company charged me {$22.00} in interest on the remaining balance ( which was fair ). OnXX/XX/XXXX I paid off the remainder of the card, in full, via online payment. I called Citi to confirm that the account is now settled in full and closed. 

So you can understand why I was very surprised to learn that on XX/XX/XXXX ( amount {$1.00} ) and XX/XX/XXXX ( a " minimum interest charge '' of {$.00} ) were charged to my inactive, paid in full, closed account. 

On XX/XX/XXXX I received a voicemail from Citi stating that was in arrears on my account. When I called Citi back to inquire about the call, I was told that " my account is paid in full and not delinquent, so they don't know why I was called ''. That didn't add up to me, so luckily I did a bit more digging, and upon opening my old account ( which again has been closed for months ) I saw  that the company was still charging me interest. When I called the company back, they defended the policy and told me it is standard operating procedure. 

This should be considered Fraud. It is no different than XXXX XXXX opening up thousands of fake credit card accounts and unknowingly charging interest to unsuspecting customers. 

On it's own, the {$2.00} Citi is saying I owe may not seem like much. But the fact of the matter is, if they are doing this to me, they are doing this to customers all over the world and making a killing on the backs of it's customers who believe they have closed an account in good faith. ( what is there to charge interest on?! The account is closed, unable to be used and paid in full! ). 

Buyer Beware.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Equinox is governed by 15 U.S.C 1681, Equifax has violated my rights numerous of times. I demand the account below be removed immediately : XXXXXXXX XXXX XXXX  acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give equifax written permission to furnish these accounts. I have no contract with this company
Consumer complaint received 2023-11-13
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)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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. (CA)

See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!
Consumer complaint received 2023-11-13
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)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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. (AL)

I have report applied bank as a fraudulent account I even call email them sent theft report to them they still reporting this account .then XXXX is reporting old data to the creditor who is trying to let me have loans a call them the same guy put 14 hard inquiries on my credit.. I believe this is a inside job to stop me as a XXXX XXXX to get any thing in life..also XXXX made agreement to remove late payment and accounts but didn't remove them..XXXX agree to remove late payment but didn't do so .XXXX XXXX..was a fraudulent account by a credit repair company and also XXXX XXXX XXXX..was by the same credit repair company..but they want remove the late payment or the account.. 
...
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I went in person to XXXX XXXX. ( XX/XX/XXXX ) to file this dispute I then received a letter stating that the merchant did not violate any XXXX rules and regulations. They never provided me any information as to why they denied my claim or why they closed my case. They claim the merchant provided proof that it was a verified charge. I did agree to the charge but I never received my product or the service I paid for. 

I ordered a XXXX and the service was sub par absolutely horrific. It should last XXXX month. I asked the merchant to just give me XXXX and she said she could fix it. She did something and charged me again. XXXX times from XX/XX/XXXX to XX/XX/XXXX a total of XXXX and I still had to go to another hair salon to fix what she didnt do correctly. 

I have been ripped off and XXXX is allowing it. They have a fiduciary responsibility to me. They never provided me with any substantial information regarding my dispute. 

On XX/XX/XXXX I paid for a XXXX. I gave permission for the amount of XXXX ( XXXX charged to the card and XXXX in cash ). I never received the customized XXXX.. I want my money back immediately. 

TRANSACTION : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX XXXX Case Ref No. : XXXX. I feel like these credit card bank companies should give me XXXX time courtesy for what I went through. I want the case to be re-opened. I'm a senior citizen and XXXX on a fixed income.. She took XXXX  my XXXX income. I did not receive any documents from XXXX regarding the case. I never got the service that I paid for. 

I have been ripped off by this merchant by XXXX Im on a fixed income. I never got what I paid for. 

I want at least XXXX of my money back XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of XXXX XXXX with wrong open date and should be off my report as original creditor is older than XXXX  years and another that belongs to someone else. both are collections and negatively affecting my credit.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital reported my account late and according to credit bureaus and according to my report in which I looked at my credit report and noticed I had a late payment. The credit card account that I have FCRA usc 15 1665b That you will not be paying the additional finance charge. Also Im using code 15 usc6802 and I didnt give the right to have my personal information disclosed. Also 15 usc 1666b states A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the pay- ment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Im asking for your assistance in this matter to remove late payment from my credit reports all the credit reports
Consumer complaint received 2024-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/23 through XXXX report number XXXX. I requested Bank Of America to remove account from my report if they did not have verifed documentation of my request to close the account, which is stated by them on my report. They willfully non complied with my request and to accurately verify info
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXXL and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Consumer complaint received 2023-11-13
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX****, has violated my rights.

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-21
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (MS)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.