davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (NC)

After the fact, my findings reveal that I have been scammed in a " Pig Butchering Scam ''. 
Someone reached out to me from a strange number ( XXXX XXXX ) on XXXX XXXX asking if I'm coming for a party. I responded politely that it's wrong number, and then this person who calls herself XXXX ( now I know everything is fake ) struck up a conversation and quickly wanted to move the conversation to XXXX XXXX She gave XXXX as her XXXX number and connected me on XXXX. 
About a week into the conversations she started telling me how she makes money from XXXX XXXX and if I'll be interested. I said I don't do XXXX XXXX because I don't understand the algorithm. She ( maybe He, we can't even be sure ) promised to guide me step by step on how to invest. She asked that I download XXXX app and then XXXX XXXX for trading. 
Over the period of four months, I've invested {$20000.00}, but when the time came for me to withdraw the money with the profits, my XXXX account was XXXX. But the XXXX app is still working. 
So I made a complaint to my bank that I was scammed and that the bank should investigate the transaction and help me recover my funds. I told my bank that all XXXX transactions in my checking account are fraud. But my bank has been unable to do anything to help
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MI)

i have disputed this debt numerous times. I also made them aware that it was paid and I currently have insurance with the company that they are trying to collect on. I sent a letter for the company to verify and to send me proof that I indeed owe them. Receivable Management continues to send a bill in which is not verification. if not removed I am seeking compensation of {$1000.00}.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (NV)

There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC.  See  attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at XXXX and all three credit reporting companies, XXXX, XXXX, and experian claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what XXXX is for. 

Thank you!
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-10-21
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX**Balance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$230.00} Repaired Account/Updated to Positive : XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-10-21
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

reviewed my consumer repons and notced wall nad XXXX lale payments on an accoun that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-04-05
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. 
Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX.
Consumer complaint received 2022-10-21
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: DISCOVER BANK (CA)

I placed two orders from XXXX and XXXX. 
1. I returned two items to XXXX ( {$170.00} and {$78.00} ) and it refund me one of them ( {$170.00} ). But the other refund ( {$78.00} ) had some delay, so I opened a dispute through my Discover credit card. 
However, Discover thought {$78.00} is a part of {$170.00} and denied my dispute. Also, this made XXXX charge me some extra money because they thought they refund me twice. 


2. I placed an order from XXXX. There was a refund of {$52.00} on XX/XX/XXXX, and that was because we removed the oversold item " before shipping out the order. 
And I open a dispute for other items for the {$220.00}, however, Discover thought {$52.00} is a part of the {$220.00} and denied my dispute. This also made XXXX charge me another {$52.00} because they refund me twice. 

I contact both merchants and XXXX, they asked me to talk with Discover. However, Discover refused to reopen the disputes. So I lost {$220.00} + {$52.00} + {$78.00} + {$74.00} ( because I put the wrong number in the first dispute ), and neither Discover nor XXXX solved my case.
Consumer complaint received 2022-10-21
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update or correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (TN)

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, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX & XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

House was under contract with a buyer. This was reported to 5/3rd bank. A letter was signed and submitted stating the house was under a contractual agreement. A 5/3rd bank representative misinformed the seller that no last payment was needed. The buyers financing fell through and contract was extended another 2 weeks. 5/3rd bank sent a letter for 30 day late payment and updated sellers credit report to reflect this. When a complaint was submitted with 5/3rd bank they stated late was verified. No resolution was made and now my credit is damaged by the misconduct and miscommunication of their uninformed representatives. They refuse to remove the one 30 day late and as a result I can not refinance my current property that is through a different lender. This needs to be corrected and is causing great harm to me financially.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (GA)

I moved to Georgia from Oklahoma. Opened an account with XXXX. 
Everything was fine for a while. Was remodeling my home and got several withdrawals. 
to pay contractors. 
Went to the bank to withdraw more cash. They said no my account was frozen due to suspicious reasons. The Manager said, she did not know why. I have been there in person and called several times with no response. The branch manager even hung up on me. 
I then received an email with a phone number to call. which I did. Supposed to be corporate.. I would speak with an agent, and they would say please hold on while I investigate. and would transfer me to a different agent. same thing happened to me. I spoke with at least four different. Agents, kept being put on hold. At last after an hour, I was cut off. In other words, hung up on. 
I was not discourteous, I do not yell or curse I am almost XXXX XXXX XXXX. I truly need your assistance. Please advise me. They have over {$5000.00} dollars and will not release it. 
Sincerely, XXXX
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have repeatedly disputed items on my credit report and Experian just sends me an automated message saying they dont think its me disputing the items so they refuse to do anything about it. They are repeatedly reporting incorrect information on my credit report from accounts to inquiries to addressing. Ive repeatedly disputed the information and thy keep saying its validated and refusing to send me the proof of validation.
Consumer complaint received 2023-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (GA)

I have been billed with several XXXXXXXX XXXX and medical bills that arent mine. These debts have been removed before but they keep buying them and adding them back to my credit report. They try to say that theyve been validated but refuse to send me any proof of validation. I have filed the proper police reports with my local police department.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

My account was hacked and a fraudulent check, was put into my account and cashed and withdrawn. I have contacted the bank of requested the proper paperwork to fill out nothing was sent to me. I didnt receive anything my account was closed and they told me Im responsible for the debt.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.