davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX XXXX  is posted that this account is open and it has been closed and charged off since XX/XX/2023. They are paying late payments and they sold the car after they repossess it XX/XX/2023 at XXXX. I want this account deleted bc its reporting inaccurate information. They will be in this lawsuit filed against them for reporting this inaccurate information. I have proof they closed this account and the last payment dates of XX/XX/2023 in the amount of XXXX that they sold the car for.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2024, I sent a package with documents from the FTC Identity Theft Report, FTC Notice to Furnishers, a copy of my Credit Report, and my driver 's license identification. Requesting them to report the fraudulent account. I have disputed this with Equifax and XXXX. My credit report has dropped dramatically and three of my Creditors have decided to close my accounts due to delinquency. This will be on my credit report for the next 10 years.
Consumer complaint received 2023-09-25
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This will be my third time writing to Transunion XXXX XXXX to investigate and provide proof that the bankruptcy listed on my credit report came directly from the United States Court House and not a third party. I received a response that the bankruptcy was verified with the United States Bankruptcy Court. However, Transunion or XXXX did not provide me with proof. I reached out to the courthouse to confirm their information release policy. The court advised me of the following The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Per the Fair Credit Reporting Act 15 U.S.C 1681, it is a violation of the FCRA to report inaccurate or unverifiable information on a credit report. XXXX took the liberty to properly investigate and delete these Bankruptcies from my credit report due to inaccuracy, however, it is evidence that Transunion XXXX XXXX did not and lied about investigating this bankruptcy with the courthouse. I demand the following Bankruptcies be immediately deleted from my credit report : *Chapter XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX Please reply to me in writing or via email ( XXXX ) once this has been deleted. Also, it is to my understanding that I am entitled to a free credit report once any information is investigated and deleted. Please send an updated report to the mailing address listed above. Thank you XXXX XXXX
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

Many months ago I created a paypal fundraiser https : XXXX as soon as I have received donations my account was frozen and paypal send an email that I can get my funds in 120 days! THE TIME IS OVER! UNTILL TODAY I CANT WITHDRAW MY FUNDS I GET AN ERROR SAYING THERE IS NOTHING TO WITHDRAW!!!!! THEY STOLE THOUSANDS OF DOLLARS FROM ME!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (CT)

i recently pulled my consumer report from XXXX XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis XXXX XXXX XXXX XXXX, CREDIT COLLECTION SERV/ $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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. (GA)

I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report.

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
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. (FL)

I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/2023 WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (AZ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the Equifax data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (NV)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol One had been soliciting me with pre approved offers for their quicksilver credit card offering a {$300.00} bonus after spending {$500.00} within the first 90 days. After 2 months of recieving these emails, I finally decided to apply for the card to get the bonus money. I used the link in the credit card offer to apply for the card. The email promised my credit score would not be affected. This was Not true. My credit score went from an XXXX to an XXXX after applying and getting approved. I applied on XX/XX/2023 and did my due diligence by calling their customer service right after i applied to be certain I was on track to recieve the {$300.00} bonus offer with this card, and the person on the phone assured me i would recieve it after I spent the $ XXXX.I also took that time to complain about my credit score instantly going down, but they brushed it off saying it was perfectly normal. I was not happy. I spent the {$500.00} the first month and paid the card off in full to satisfy the requirement. When I didnt recieve the bonus money by XX/XX/XXXX I called capitol One to see why. I was told that I applied for the wrong quicksilver card, They said I applied for the quicksilver card for people with good credit not the quicksilver card for people with excellent credit. They said the cards look the same but mine carried no reward. In my defense I had an XXXX credit score which was excellent credit on XXXX, XXXX XXXX  More importantly, I used the link in the ad to apply for the card. This is a bait and switch tactic on their part.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC (FL)

This company is unethical as it never disclosed the payment terms nor sent the arrangement in the mail as required by law, then charges me a late fee while I am in the program Called on XX/XX/year> and was lied to that a manager would call me back by the XXXX and the XXXX sorry excuse for an supervisor I spoke to made me feel harassed which is a violation of the FDCPA
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (CA)

Back in XXXX  my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. 

I have no connections or knowledge about any account listed. please help me on correcting this.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was denied a bank account with XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Bank of America. After having XXXX XXXX XXXX  investigate the accounts, they confirmed that the information furnished by Bank of America was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Discrimination and Privacy Violation Incident Date of Occurrence : First Incident : XX/XX/2024 Second Incident : XX/XX/2024 Summary of the Complaint : On XX/XX/2024, I experienced discriminatory behavior at a branch of Bank of America. The incident escalated on XX/XX/2024, involving a XXXX XXXX XXXX Representative named XXXX XXXX. During these incidents, the representative acted in a manner that was both unprofessional and discriminatory. 

Details of the Incident : XX/XX/2024 : I faced discriminatory treatment at the branch, which negatively impacted my professional standing as a business developer that routinely helps with Florida LLC formation. 

XX/XX/2024 : XXXX XXXX directly contacted one of my clients without my authorization. She made false claims regarding my qualifications, stating I was not suitable to act as an accountant. It is crucial to note that my role does not require acting as an accountant but as an incorporator and registered agent, which does not necessitate access to detailed banking information. 

Actions Taken : Following these incidents, I have taken the following steps : *I have written a formal complaint letter to the branch manager, XXXX XXXX XXXX XXXX of Bank of America where these incidents occurred. 
*I have demanded a formal investigation into XXXX XXXX XXXX behavior and actions to ensure such discriminatory practices are not repeated. 
*I have subsequently notified multiple regulatory bodies and consumer advocacy groups seeking help. 

Requests to the CFPB : I am seeking assistance from the Consumer Financial Protection Bureau to ensure a thorough investigation is carried out and to help secure a resolution that prevents such discriminatory practices in the future at Bank of America.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (UT)

i was out of town and recently became aware of multiple unauthorized transfers from my zions bank personal and business accounts to found, XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX. Please correct and update.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (ID)

I had gotten a carecredit card 7 years ago for vet bills and couldn't figure out why my balance was so high. 
I tried to reach them originally because I am struggling to pay down the card and then they offered me some relief payments that I took. I found out later that apparently this was some type of coverage that I didn't sign up for and I had been charged security/insurance fees for the last 7 years. 
I reached out to them to get a refund because I never okayed this and they got back to me and told me they wouldn't because I received a single benefit payment. Apparently that relief payment they offered me was a benefit and I had no idea. They didn't explain it to me or anything. I canceled any other relief payments and the insurance but am no better off then I was. They charged me thousands of dollars in insurance fees over 7 years that I had no idea about or consented to get and refuse to do anything to pay me back.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the credit bureaus more than 45 days ago via the mail, so I know they received it.They are violating my FCRA rights by not investigating my dispute.