davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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 have contacted Equifax to let know that these accounts are not mines XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/XXXX it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Also for the Stress, Discomfort Cider Denials and Headache I as requesting that Equifax Issue me a {$2000.00} Check to my Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX within 15 working days or I will File for Litigation because I have evidence from them that states that the 2 XXXX Accounts were deleted from my credit reports when they were not. 

Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} The following Inquires are Fraudulent on my Equifax Report as well XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 

I am advising Equifax to take this matter very serious as I am not Playing around anymore with them I will be hiring an Attorney in 15 days if nothing is not done.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Earlier in XXXX Experian lowered my score XXXX points from XXXX to XXXX on the same day that an old credit card of my parents appeared on my report. I used to be an authorized user but that has not been the case for two or three years now. NOTHING else happened to change my credit score and it did not change the other two credit bureaus. I went through the Experian dispute process and they agreed and removed my parents old XXXX  XXXX card. But instead of giving me back the XXXX points that they took when they put the card on the account they actually took XXXX more points dropping me from XXXX to XXXX claiming that the average age of my accounts had dropped. Well thats only because they took off an account that shouldnt have been on there and they even give that reason on their opening page and will not respond to me. I have emailed multiple times and all I ever get is computerized letters with XXXX  excuses. I filed a complaint with the XXXX XXXX XXXX. I find it highly unfair that the credit bureaus have such influence on peoples lives especially when they obviously dont give a tinkers dam when something goes wrong. A simple look at my account and they would realize their mistake but I guess thats too much to ask. FYI the other two credit bureaus have me at XXXX and XXXX as I have perfect credit and XXXX balances on all my accounts.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by XXXX  XXXX bank back in XX/XX/2018 for a closed bank account. Upon contacting XXXX  XXXX back they said that amount was an error and that the correct amount is {$370.00}. ChexSystem acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but CHEXSYSTEMS is illegally still reporting incorrect amount
Consumer complaint received 2023-05-22
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)

In accordance with fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-26
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Credit Services Inc. (AZ)

XXXX XXXX XXXX incorrectly reported me to a collection agency called, First Credit. This agency reported I owe {$130.00} to the credit bureau which impacted my credit score. The information they are reporting is in correct. I called anytime fitness and they advise. There is nothing they can do but yet they are reporting incorrect information to the credit bureaus through this collection agency. They refuse to assist in anyway.
Consumer complaint received 2024-04-22
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. (VA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 1st Franklin Financial Corporation (CA)

This number continues to call for a person who is not at this phone number or address. I've repeately told them I do not know who the person is they are looking for as I'm in XXXX and they told me it was for a loan in XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

On XX/XX/XXXX, I realized that I needed the due date for my student loan payments to align more efficiently with my monthly paycheck date. The same day, I submitted a request to Aidvantage to update my due date to the XXXX of every month. The same day, I received an automated response stating the loan servicer was experiencing higher than normal volume and that they would be happy to honor your due date change request, provided that your account is current and the payment due date you're requesting is on the XXXX through the XXXX day of the month. This automated response also stated the new payment due date may not take effect until your next monthly billing statement and you may need to make a payment based on your current due date before the new date becomes effective On the date of the request, XX/XX/XXXX, I had made all payments in full and on time. I had even paid more than the amount due on multiple occasions in an effort to reduce my principal amounts. XXXX response is unclear and inefficient. First, they say they will honor the request, but then say the request XXXX not take effect until the next pay period. Is this an acceptance of my offer for new payment terms or not? Regardless, I was unable to make the payment due on XX/XX/XXXX. As a result, the portal stated that my payment was overdue/late. This is concerning as it could impact my credit score by being reflected as a late payment. On XX/XX/XXXX, I made the outstanding payment. On XX/XX/XXXX, I resubmitted the request to change my due date to the XXXX of each month, but received the same automated response. It is now XX/XX/XXXX and aidvantage is still demanding i make payments on the XXXX. This is not feasible for me and could have severe ramifications on my credit score. As a first generation student with a recently deceased father and a chronically ill mother who never owned their own home, I recognize the importance of a good credit score. I am attempting to set mutually beneficial terms with Aidvantage for the repayment of my loans, even if it means I die in debt. However, their lackluster customer service and inability to fully process simple, basic claims puts me, my family and my future plans at risk.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, has 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 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 2024-03-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

I made two purchases from Best Buy totaling {$1600.00} and was supposed to receive both XX/XX/2023. I was not home and had instructed delivery drivers to leave my package on the side porch. I had received delivery photos and instantly started heading home since they left them on my front porch. By the time I got home ( about 30 minutes-1 hour after delivery ) my packages were not on my front porch. I had checked with all surrounding neighbors to see if they received my packages or seen anybody around my house and they all said no. I called Best Buy soon after and explained my situation and they had told me they could refund my money, or send me a replacement. I asked for my money back so I could go in store to purchase instead and they agreed. I was told to wait about 7 days for the funds to be returned back. I called every 3-7 days for the next month and was always told to wait because the money was coming back but it never did and they just kept pushing it farther and farther. I made a police report in XXXX after being ran around by this company for months and being told they can not do anything for me. Police officers told me there is not much they can do because it has been months. I had called and tried to dispute both charges twice and was told that the people I was talking to probably did not understand my situation and should not have told me I could get a replacement or my money back. Best Buy had also told me they had made claims with XXXX  ( the delivery company ), but I had called XXXX  to see if I could open my own claim and I was not able to since I was not the ones that sent the package. XXXX also had absolutely no record of any claims being made from Best Buy regarding my packages, which was extremely frustrating as I had been calling Best Buy 2x a week for months to check on my refund and I had made countless claims. Now I am being charged interest on my account as well and the purchases combined are now {$1600.00}. 
I had called them 12 times between XX/XX/2023 and XX/XX/2023.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I have a credit card with Citibank and I have multiple charges on my account that I have disputed. Last year around the same time I already disputed the charge and it was never resolved. They claimed it was my responsibility. the Merchant is XXXX XXXXXXXX. I reiterated that I'm not interested in renewing my XXXX XXXXXXXX account. However I was charged last year on XXXX XXXX, XXXX, and again this year- XXXX the same date I'm charged for another year. I've explained to XXXX XXXX multiple times that I'm not interested in a paid membership. The original payment was {$74.00} XXXX ago and then they jacked up and kept charging me. I reached out to my credit card company explaining this and they refused to assist.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (NV)

I have a collection on my credit report from AARGON Collections XXXX location : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX. I have a collection from them and the only reason I know is because they attached the collection on my credit report ; the collection is from a gym membership fee of {$580.00} from year XXXX. When I called them they did not have my correct address or phone number, THEREFORE never properly contacted me. When I called them several times and I ask for that 30day notice of intent to collect or the validation letter ( they hang up on me ), I spoke with XXXX XXXX and someone called XXXX, and someone else prior with a thick accent but he never told me his name ( he just hung up ). They just refer me to their website to pay the collection. They avoid sending me any notices of communication they should have sent me, when i ask them for it. This is fraudulent practices also I need to know if their collection was reviewed by an attorney and it has to be in writing in their letter of correspondence. Something I have not ever got notice from them. 
This collection is wrong and has ruined my credit. Please help. I need that collection removed asap as it is affecting my financial well being. 

Thank you XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

After reviewing my consumer report, I noticed that there were inaccurate accounts and information on my consumer report. The companies reporting my information never gave me my right to opt out of credit reporting and furthermore, they never asked for my permission to furnish this information furthermore they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, it caused financial harm, and it also damaged my overall reputation with lending institutions.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to bring to your attention an issue regarding the reporting of late payments on my credit report by Capital One. As a loyal customer of Capital One for several years with no prior late payments, I have recently discovered that there have been XXXX late payments between XXXX separate accounts reported on my credit report during the past XXXX years, coinciding with the COVID-19 pandemic which The federal COVID-19 XXXX declaration began XX/XX/XXXX and ended on XX/XX/XXXX. 

I would like to draw your attention to the Heroes Act, specifically Section 110401, which amends the Fair Credit Reporting Act ( FCRA ) to impose a moratorium on furnishing adverse information during the COVID-19 emergency period and for 120 days thereafter. This means that any adverse consumer information resulting from actions or inactions during the pandemic should not have been reported. 

It has come to my attention that Capital One is in violation of the Heroes Act specifically Section 110401, by reporting these late payments during the pandemic period. As stated in the Heroes Act, any adverse consumer information that is the result of actions or inactions during the pandemic should not be reported. However, the XXXX late payments on my credit report clearly indicate otherwise. 

I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and financial well-being. I urge Capital One to rectify this situation immediately by correcting the inaccurate reporting of late payments on my credit report. Additionally, I request that Capital One take the necessary steps to ensure compliance with the Heroes Act and refrain from reporting adverse consumer information that is a consequence of the pandemic.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OR)

Today when I opened the Discover mobile app I received a message that read " Please contact Customer Service immediately regarding your Discover Bank Account ( s ). We have identified unusual activity on your account. '' When I called, I was told that I currently had no access to my savings or checking accounts, but that no information was available regarding what activity the bank considered unusual or why the bank considered it unusual. My combined balance with Discover when I went to bed the night before was just over {$9700.00} ( only {$25.00} in checking account ) and I have a pending state income tax refund of {$1600.00} meant to be directly deposited to my savings account that is now in limbo as well.

I am a U.S. citizen, born and raised. I have been a Discover credit card customer since XXXX, the year I graduated from college. I have engaged in XXXX unusual transactions since opening these account in XX/XX/XXXX with funds transferred into them from another U.S.-based bank checking account. All check deposits have come from U.S.-based banks. 

XXXX cash transactions. XXXX checks or other deposits from foreign banks or foreign businesses. XXXX payments or other transfers out to any foreign banks or foreign businesses. 

My employer, which had been making bi-weekly direct deposit payments to my savings account, is U.S.-based. All of the payments out of the account have been to larger, better known, and more successful banks and credit card companies : XXXX XXXX, XXXX, XXXX, XXXX XXXX. My landlord uses an intermediary processor for online rent payments, but its name is listed in the transactions and its name should be at least somewhat recognizable to every financially literate American adult -- XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).