davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX. I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXXdays. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (KS)

I filed a requested thru CFPB when I saw ir hit my credit score. I have not recieved anything from this company. They went back on my credit I never received a call neither or paperwork. I do not know this company I have never been to TENNESSEE.
Consumer complaint received 2024-04-17
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-17
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. (MA)

XXXX lowered my credit by half. I now have only {$72.00} available credit. This is going to look like I use 100 % of my card, when I intentionally keep that card at half usage so I have emergency funds available. XXXX said they sent an email about the factors in the decision. The email reads " Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. '' Equifax is unable to tell me what information was provided for the credit decrease. XXXX is unable to tell me which information was taken from Equifax to determine the credit decrease. How am I supposed to know if neither XXXX nor Equifax can tell me the factors leading to such a drastic credit decrease?
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2023 : {$21.00} interest charge XX/XX/2023 : {$22.00} interest charge XX/XX/2023 : {$21.00} interest charge So, my Bank of America Unlimited Cash Rewards Card was and had been interest-free for years now. At some point, they started charging interest on it. Thats fine, but why hide each monthly charge from the list of transactions on my BofA banking app??? Usually, when there is an interest charge, it shows up in the list of transactions, alongside the purchases and charges one would put on the card for food and bills, etc., but nope, Bank of America wants to be shady and not show interest charges where customers can see them. I had to check my monthly statements because I noticed a change in my credit card balance amount when I hadnt charged anything to it in a while. In the XXXX monthly statement, turns out I was charged interest of {$21.00}. I will include a screenshot, but I did not see the interest charge in the transactions section in my banking app. I checked back to see when they had started charging ( and HIDING the transaction ) me interest on this card. In the XXXX statement, I was charged {$22.00} ( and of course it did not show under the credit card transactions along any purchases that I wouldve made ). And then back in XXXX, {$21.00}. I am complaining about this because my other BofA credit card actually shows me any interest charges and fees alongside the transactions of my purchases. I am lucky that I am more technologically literate. People with language barriers and people who are impaired or older and not technologically literate are getting hurt by these abhorrent business practices. I have had a negative experience with Bank of America customer service before and their customer service phone number is impossible to locate, and then when I found it, I am unable to speak to a real person and instead I am left frustrated with an automated voice. Real, working people do not have the time or patience or energy to be dealing with this. Money is money and businesses need to be fairly earn it, and not by being deceptive. They deserve to be called out and reprimanded for hurting millions of consumers.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX ( XXXX ) accounts has to be 100 % accurate and complete as required by the FCRA. 

XXXX XXXX XXXX XXXX account has to be 100 % accurate and complete. 

FCRA requires consumers credit report 100 % accurate and complete. 

Not being reported on XXXX # XXXX are : Usage, Balance, Paid off percentage, last payment amount. High balance. 

Not being reported on XXXX # XXXX are : Paid off percentage and original balance. 

Not being reported on XXXX XXXX XXXX XXXX # XXXX are correct high balance and balance.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 D ( 2 ) A ( 1 ) states reports containing information solely as to transactions or experiences between the consumer and the person making the report. Personal transactions should not be apart of the consumer report to non affiliated 3rd party companies. Late payments should not and do not exist on your consumer report. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
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: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they XXXX be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of billing statement, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I reached out to Equifax via the dispute portal to file a complaint on information provided on a car loan account on 2019. The load was provided by XXXX XXXX XXXX on XX/XX/year>. 

I provided Equifax copies of the loan agreement, included in this complaint, as well as copies of payments confirmation, also included in this complaint, that proof their information is not accurate. However, they continue to report the wrong information. This has hurt my credit profile by lowering my credit score which, in turn, cause me to get higher interest rates on my loan.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Account Name/ Number ~XXXX/XXXX XXXX  XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have XXXX XXXX XXXX. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XXXX XXXX  ACCOUNT # XXXX reporting on my credit report I have been disputing this account since XX/XX/XXXX which first appeared on my credit report as a STUDENT loan with XXXX. After disputing Equifax changed the information to XXXX XXXX  which is a collection agency. 

I never signed any contract or applied for any loan with XXXX XXXX. 

Since then they have change and reage the account for example : Reporting inaccurately reporting a closed account with XXXX  with a date of deliquency of XX/XX/XXXX The showing and reporting date opened as XX/XX/XXXX QUESTION ; How can a deliquency occured before the account was opened? 

they reage and changed the date to allow the account on my report for 10 years The collection amount was changed 10 times I never did business with XXXX Reageing an account is a violation of the FCRA I NEVER HAVE ANY ACCOUNT WITH XXXX DATE OF DELIQUENCY : XX/XX/XXXX DATE OPENED : XX/XX/XXXX look at the dates : account deliquent before it was opened???????? 

After pointing out these inaccuracies and reageing of this account with XXXX and XXXX the immediately removed it from my credit file. 
EQUIFAX keep changing the account everytime we point out inaccuracies.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep dissatisfaction and frustration with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this issue. I have been diligently working to address these inaccuracies for an extended period, and the lack of resolution has had a detrimental impact on my financial standing. 

Despite my numerous attempts to address this issue with your agency, the fraudulent items persist. I have engaged in written correspondence, submitted supporting documentation, and made phone calls in an effort to resolve this matter, yet the inaccuracies endure. 

Enclosed with this letter, please find additional supporting documentation reiterating the fraudulent nature of the items in question. I have attached : I request that your agency undertakes an immediate and comprehensive investigation into the fraudulent items listed. The continued presence of this inaccurate information is causing substantial harm to my financial well-being, and I insist on prompt corrective action. 

If a resolution is not achieved within a reasonable timeframe, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on my report
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. 

I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. 

This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc. (FL)

To whom it may concern, On XX/XX/XXXX, I made a payment that hasn't arrived from my business Mercury account to my Personal XXXX Checking account. 

Type of transfer : Domestic wire Date : XX/XX/XXXX Amount : XXXX USD IMAD / Tracking number : XXXX I have provided the IMAD number to the beneficiary bank ( XXXX ) and they haven't been able to locate it so the recipient bank hasn't received the fundsyet. 

The issuer bank says they can request a recall but they can't guarantee that the funds will be recovered. 

Best,
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-04-29
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. (OH)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX