davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to express my continued dissatisfaction and frustration regarding the unsuccessful second attempt to remove fraudulent items from my credit report. Despite my persistent efforts to rectify this issue, the fraudulent information remains on my credit report, adversely affecting my financial standing. 

I submitted a second round of disputes through your online dispute resolution platform, providing additional documentation and information to support my claim for the removal of fraudulent items. Unfortunately, these efforts have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The presence of these fraudulent items continues to impact my creditworthiness, hindering my ability to obtain credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department, yet the promised resolution has not been achieved. 

I understand the importance of maintaining accurate credit reporting and am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be forced to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

Dispute of Charge-Off Account on Credit Report Dear Equifax I am writing to formally dispute the accuracy of information reported on my credit report. I have recently reviewed my credit report and noticed a charge-off account that I believe is reported inaccurately. The details of the disputed item are as follows : XXXX XXXX XXXXXXXX Bal {$660.00} I dispute this charge-off for the following reasons, this is a fraudulent account. 

The following hard inquiries were also not authorized by me. 
These lenders have accessed your credit file without my authorization. 

XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  I am aware of my rights under the Fair Credit Reporting Act and expect that this matter will be investigated and resolved promptly. As part of your investigation, I request that you Verify the accuracy of the account details with the creditor. 
Provide me with the documentation that you receive from the creditor as evidence of the accounts accuracy. Remove or correct the entry based on the outcome of your investigation. Please note that these are for your reference and should not be returned to me. Please be aware that I expect this matter to be resolved within the 30-day timeframe as mandated by the Fair Credit Reporting Act. I look forward to your prompt attention to this matter. 

If you require any additional information, please do not hesitate to contact me Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-19
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I have 2 issues with Citibank. 
# 1 ). XXXX card which I originally requested information from in XX/XX/XXXX. Citibank never provided the requested info and did not close account as I requested. I called and requested info again in XX/XX/XXXX. They never sent requested info and did not close account as I had requested. I sent certified letters to them on XX/XX/XXXX, and in XX/XX/XXXX. To-date, they have not provided me with explanation of duplicate deductions from my checking account, nor have they provided me with a complete history of my payments and charges from inception to closing of this account. The only statements Citibank has sent me are those that have fees and late charges that were posted after XX/XX/XXXX, 4 months after I had requested that they close the account. This account was opened on or about XX/XX/XXXX. Therefore, I would need for them to send me valid/accurate statements from XX/XX/XXXX thru XX/XX/XXXX, as the last time I used this card associated with this account was in XX/XX/XXXX. They did not close account when I asked them to in XX/XX/XXXX, and send a final bill as requested. 

# 2 ). BestBuy card. I purchased a XXXX XXXX phone thru my contract with XXXX. After 3 attempts of using the XXXX phone, ( they seemed to have problems with dropping calls and not sending text messages ), I decided to go back to XXXX XXXX. I returned all accessories for the XXXX and requested a refund. I have the receipts that show that I was supposed to be issued refund, but when I got statement in XX/XX/XXXX, the {$390.00}, was still showing as owed. I called several times, visited the store in XX/XX/XXXX, and the Manager named XXXX refunded {$96.00}, and said that it was a mistake and that was all that she could refund. She could not explain to me why she couldn't refund the remaining {$300.00}. I sent certified letters, and all I got was passed on to other people, departments and pretty much ignored. 
Both of these items are showing on my credit report as delinquent, in spite of my repeated requests to have them cleared on the basis that they are not legitimate debts and Citibank is not entitled to any payments from my end of these situations. I sent letters to Citibank and spoke with their representatives on numerous occasions, but so far, all they've done is ignored me. At this point these issues have cost me one refinance and 2 closed credit card accounts. Please note : I attach correspondence for both of the issues with this complaint.
Consumer complaint received 2023-04-25
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. (TX)

in accordance to the Fair Credit Act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my 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 & block 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 block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

Hi my name is XXXX XXXX XXXX You Guys dont have more options for different complaints I have four collections with the California Business Bureau so I called then to see of they cant remove 2 of them from my credit because their due to covid the government gave money to the employers to compensate sick employees of covid people were dying in the thousands I was sick i was not pretending I had that virus so I did not paid it went on collection and its costing me money and it mess up my credit more so Im paying off my collections so I called they said they can only remove it after its paid I said thanks and hanged up and said I will pay it. Then one minute later theres an inquiry on my credit report that they try to get a loan and bank account under my name under my social security with out my consent how is it that the CALIFORNIA BUSINESS BUREAU can do that with out my consent how is it that they can try to use my name with out my consent they are violating my identity my privacy covid murder millions the employers kept the money and alot of corruption why is California trying to open a loan with my credit the inquiry I want it remove from my credit report because I did not consent for that I take ownership for all other inquiries its true but this one the state is violating my rights and I wont stand for that the usa owes XXXX XXXX dollars I owe just a small fraction and its not fair a Bureau does that to its citizens im paying back my debt and Covid happen to the whole world not just me its so unfair that a institute a Bureau does fraud or Identity theft I did not consent for them to use my name
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DOLLAR MUTUAL BANCORP (OH)

I've called before and no one follows through. Our mortgage is with Dollar Bank servicing center in XXXX, OH. We are in year 5 of a XXXX XXXX Bankruptcy. We made a partial payment of {$900.00}. XXXX XX/XX/2023 and on XX/XX/2023 paid {$440.00}. This was supposed to be added together to make XXXX XXXX payment. I spoke with someone at XXXX XXXX branch and someone at customer service over a month ago. Still no one has applied the payment. I made another payment on XX/XX/2023 for {$1300.00}. That was for XXXX 's payment. on XX/XX/XXXX, another payment was made for {$1300.00}. for XXXX 's payment. These last 4 payments are sitting in 'unapplied funds ' and not credited to my account. They are saying, 'It 's a sensitive issue and we need to proceed slowly '!! I am stressed out over this. It seems when I did the partial payments in XXXX, it threw off the whole account. They have my money, but not distributing funds. I have receipts.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1 ) My sister, XXXX XXXX, holds a Capital One credit card. XXXX is not well and I applied to Capital One to become Power of Attorney for XXXX XXXX credit card, carefully following the instructions in the " Capital One Power of Attorney, Conservator, Guardian Request Guide '' which I found online, and sending them the required documents, including a copy of the signed and notarized Power of Attorney and a copy of my State of New Jersey driver 's license. 
2 ) Capital One rejected my application, writing " Copy of valid government issued ID for attorney-in-fact/agent was not provided or not legible. '' 3 ) I then made a better copy of my driver 's license on a high resolution copy machine at my local library ( rather than on the home copier I had used the first time ) and sent that along with a copy of my passport to Capital One. 
4 ) Capital One again rejected the application, for the same reason. 
5 ) I called Capital One at the phone number provided in their rejection letter ( XXXX ) to find out what the problem could be with the copies I provided. I provided the case number in Capital One 's rejection letter, XXXX. The Capital One representative said he could find no record of this case number and could not speak to me about the account because it belongs to my sister and not to me. This of course is accurate, which is why I am trying to get Capital One to accept the Power of Attorney. Further, the Capital One representative advised that he did not know how to connect me to the Power of Attorney department and could not provide a number for them.
Consumer complaint received 2023-12-18
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 express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00}.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-03-23
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. (IL)

I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. XXXX XXXX account number XXXX opened XX/XX/2024 past due {$460.00} but reporting on XXXX balance update XX/XX/2024. how is this possible if the account was opening XXXX. please fix
Consumer complaint received 2023-12-18
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (TN)

Request for 1099 Form Regarding Charge-Off Dear, XXXX XXXX I am writing to inquire about the status of the charge-off listed on my credit report with your institution. Despite the charge-off being reported, I have not received a Form 1099-C, " Cancellation of Debt, '' for the forgiven amount. 
As a responsible taxpayer, I want to ensure that I accurately report all income and fulfill my obligations to the Internal Revenue Service ( IRS ). Therefore, I kindly request that you provide me with a copy of the Form 1099-C for the referenced charge-off. 
Additionally, I would appreciate any relevant documentation or information regarding the charge-off, including the date it was reported, the amount forgiven, and any other pertinent details that may assist me in understanding its tax implications. 
Please send the requested documentation to the address listed below at your earliest convenience. If you have any questions or require further information, please do not hesitate to contact me. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX