davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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)

I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/year>, in which you failed to provide the demanded information regarding the status of certain disputed items on my credit report had the investigation results came back as verified. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by Equifax, I find that there are several crucial points that remain unaddressed and demand immediate attention. 

First and foremost, I had explicitly requested that Equifax provide me with the investigation results, including all documentary material, in accordance with the Fair Credit Reporting Act ( FCRA ). However, the response provided by Equifax fails to fulfill this demand. It is imperative that I am provided with detailed documentation regarding the investigation process and validation of the disputed accounts, if these things can not be provided, they are to remove the accounts within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2.

Furthermore, Equifax 's statement that the investigations were performed " where applicable '' raises significant concerns. It is my contention that if an investigation could not be thoroughly completed and documented, then the disputed accounts must be removed from my credit report altogether. The failure to provide comprehensive investigation results is a violation of federal law and constitutes a breach of trust between Equifax and myself as a consumer.

Additionally, I had specifically requested that Equifax provide me with all documentary material regarding the validation of the disputed accounts, including any agreements between the alleged creditors and debt collectors involved in the attempted debt collection process. However, Equifax has failed to provide this essential information, citing company policy as justification. It is important to emphasize that company policy does not supersede federal laws and regulations, and Equifax is obligated to adhere to the requirements set forth in the FCRA as well as the United States Codes.

Furthermore, Equifax 's response regarding inquiries on my credit file is inadequate. Inquiries are not made in stone and neither inquiries or anything else just be placed onto the report without me first giving expressed consent. I reiterate that my primary concern lies with the thoroughness and accuracy of the investigation results regarding the disputed accounts and the right to claim of harm due to financial trespass and conspiracy of the alleged creditor, Equifax and the CFPB to deprive the living woman her unalienable right to the pursuit of happiness and financial freedom.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent letters to XXXX and TransUnion last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-04-09
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (LA)

False statements that I owe them funds. 
I have never done business with this company. 
Continues to report this as open account. 
Continues to try to collect funds after cease and decease letter. 
Continues to defame my character.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Timely payments have always been a priority for me regarding this account, ensuring they're never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-01-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Financial Services Inc (GA)

The debt has already been paid in full but it is still showing on my credit report as unpaid. Account : XXXX  ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )
Consumer complaint received 2018-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (TX)

I have contacted TransUnion and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
-XXXX  XXXX # XXXX account information incorrect and must be deleted -XXXX XXXX XXXX # XXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) -XXXX XXXX # XXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period
Consumer complaint received 2023-04-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (CA)

I was power of attorney for my father up until his death on XX/XX/2019. 
PNC bank has continued to send me his bank statements indicating that he owes {$34.00}. 
He had no money after his burial. The State of Pennsylvania tried to recoup money for Medicaid. Pa declared him insolvent after I showed them receipts for his burial expenses. I sent this letter to PNC. He left no will. I am not his estate representative.

I have called PNC many times and sent his death certificate. I asked them to stop sending me his bills. I receive form responses with no name attached. PNC is inflicting emotional distress on me by sending me bank statements for a second mortgage my father had that shows he owes {$34.00} ; for four years since he died. Every time I receive these bills I am sad. Sad that my father is dead. Sad that he worked all his life and had nothing upon his death. Sad that PNC doesn't care. Today 's bill was for a minimum payment of {$0.00}.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NC)

I have used the online message center to update Chase on my unemployment but when I send an update, they immediately start calling, every hour or two and never have record of any previous update, conversation and promise to pay. The collection calls last an hour or so with lots of " I'm sorry '' and promises to record the information provided, but they never do.
Consumer complaint received 2018-08-05
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. (NV)

On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX  XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX  XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2021-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.
Consumer complaint received 2023-10-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo advertised a bonus of {$2500.00} to any customer who opened one of its " XXXX '' checking accounts and brought a total of at least {$250000.00} of " new deposits '' to Wells Fargo. I understood* that the CD I bought ( dated XXXX XXXX, 2023 ) could be counted as a " new deposit '', though it had obviously come from a CD which MATURED on XXXX XXXX. 
All my new CD 's -- -totaling {$250000.00} -- -were bought well within the date limitations on the bonus offer. 
Local bank employee ( XXXX XXXX, XXXX branch ) asserts that my latest CD did NOT qualify as a " new deposit '', because it obviously came from the previous CD, and would not count as a " new deposit ''. 
It was my understanding from a discussion on XXXX XXXX with a different employee ( XXXX XXXX XXXX who usually works in WF 's XXXX XXXXXXXX branch ) that if I bought a new CD -- -when the existing one MATURED on XXXX XXXX -- -it would count toward qualifying me for the bonus offer. 
*I dealt with XXXX XXXX on XXXX XXXX when I bought two CD 's and opened up the Premier checking account. 
When my last CD matured on XXXX XXXX, XXXX had automatically rolled it into a new CD -- -at a lower interest rate, of course -- -but I was well within the grace period for cancelling the new CD. 
I could have -- -and WOULD HAVE -- -taken the $ money from the CD which matured on the XXXX, across the street to another bank and then written a check on THAT bank.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid 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. (IL)

Citibank account ending in XXXX with a disputed charge with XXXX XXXX of {$240.00}. Citi refuses to take my dispute seriously even though I have proven with documentation that this seller sent me the wrong supplements and I returned all of them and this is confirmed and I am owed a full refund. 

I need this removed. I am a XXXX person and on a limited income and can not afford to have my credit ruined because Citi won't help the situation in a professional way.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AL)

Chime dispute team cancelled two of my transactions from being dinsputed a {$50.00} and {$25.00} from XXXX XXXX XXXX without acknowledging me I sent several emails and have called them every day since XX/XX/XXXX my account has over 15. Escalation ticket numbers and the investigation team has not responded to none
Consumer complaint received 2023-05-24
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2018-08-05
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: EQUIFAX, INC. (CA)

Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
A collections company has evidently bought debt from a CC company and placed XXXX sections on my credit bureau. I feel as if this is incorrect as no one from that company has ever contacted me at all. I believe this is only XXXX debt as a result of my name and SS # being used fraudulently and would like to get this clarified and corrected.
Consumer complaint received 2023-10-10
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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.