davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # XXXXXXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

FRAUD & THEFT XXXX FINANCIAL HARM/ DAMAGE TO PERSONAL CREDIT. 
My name is XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged for a procedure that never took place for the patient. A XXXX XXXX  was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical release for the patient that wasn't me. Financial contracts were signed XX/XX/XXXX through GENESIS CREDIT fs card services {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. Since such time as I was declined of a credit card XX/XX/XXXX and my credit reports ordered that I noticed harmful information on my reports by GENESIS CREDIT aka XXXX XXXX ( credit reporting ). Contact was made by mail and phone to both XXXX & GENESIS CREDIT to NO prevail of theft & negative info. It is now with due diligence that government intervention is necessary in these fraudulent affairs.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MT)

On XX/XX/XXXX, I pulled a copy of my credit report from Equifax. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to Equifax disputing said alleged account and asked for validation. 

Equifax failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Equifax requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX, letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Equifax marked my credit report as being " disputed '' ; although, Equifax continues to report said item.
Consumer complaint received 2023-05-17
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. (SC)

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, Equifax, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2023-05-15
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. (MO)

XXXX XXXX Is Reporting Duplicate Acct on My Equifax report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX )
Consumer complaint received 2023-05-15
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Chime bank whose headquarters are located at XXXX XXXX XXXX in XXXX XXXX CA XXXX phone # XXXX closed my account without reason or warning on XX/XX/XXXX while there was still {$1800.00} remaining in it. On XX/XX/XXXX chime support emailed me stating they sent my remaining balance via mail in a check form and I should receive it XX/XX/XXXX. On XX/XX/XXXX I emailed chime notifying them I never received it and they stated they could cancel the one they previously sent and send a new one and stated on XX/XX/XXXX it would be sent. Its now XX/XX/XXXX and I still do not have my check nor gotten a reply from chime since then. Everytime I reach out they state they are working on it its been a week now since they said they would sent it and still no one can confirm its been sent.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2023-04-04
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: TRUIST FINANCIAL CORPORATION (MS)

On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX 
Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OK)

This is two complaints on one form. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$13000.00} to pay on my Carnival Barclays card XXXX under XXXX XXXX. The card number to pay was clearly typed on the check. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$10000.00} to pay on my husbands Carnival Barclays card XXXX under XXXX XXXX XXXX. Again, the card number to pay was clearly typed on the check. 

I checked daily for the payments to post. Finally, called Barclays/Carnival on XX/XX/XXXX at XXXX CST. I spoke with XXXX. I was told he couldn't help me today. He would have to open a dispute for both cards Case XXXX was opened for XXXX 's card and Case XXXX was opened for XXXX XXXX XXXX 's card. XXXX wouldn't promise me a timeframe for call back. Because the payments hadn't posted by XX/XX/XXXX I was forced to make payments for both accounts. Had the payments posted I would have been paid off and we wouldn't have had to make the two payments this month. This is terrible customer service then to put me off further when I called is ridiculous. This was after I had to go to the bank and get copies of the cancelled checks so I would have all this information to provide to them. I have done more than I should have and they are holding on to over {$23000.00} of my money.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

CitiBank recently closed XXXX credit card accounts sending me a letter saying " we are not a fit '' because I did not use the accounts. My XXXX score is XXXX. Today I applied for a Citi Advantage Card, and was denied.Why is Citi shutting down my credit when my score is the highest it has ever been, and my debt is the lowest it has ever been? I am obviously a good credit, and I worked for the bank for over 5 years!
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, 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. (FL)

On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX apparently to get me a better rate.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

The creditor violated the Fair Credit Billing Act. I previously notified the creditor that I did not receive statements from XXXX through XXXX due to an incorrect address which I notified the creditor of several times in writing and over the phone. The creditor did not respond to my complaint as requested and have incurred two 30 day delinquencies as a result.I contacted Citibank and spoke with a representative named XXXX who concurred with me.The representative also advised me that online access was canceled without my knowledge or authorization.
Consumer complaint received 2023-05-15
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-01
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: Experian Information Solutions Inc. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2017-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sokaogon Finance, Inc. (CA)

In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full. 

After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX. 
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account. 
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.
Consumer complaint received 2024-03-22
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. (GA)

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. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-07-01
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: Experian Information Solutions Inc. (SC)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (HI)

Experian has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Experian and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (NC)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX
Consumer complaint received 2023-07-01
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. (AR)

I am sending my CFPB Complaint to inform you that the XXXX credit bureaus had violated the FCRA XXXXection 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX  XXXX Balance : {$30000.00}.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received checks, log book, deposit slips and withdraw slips for a checking account I did not open on XX/XX/XXXX in my mail box. I then called the bank located in Texas " TD Bank '' and they told me to file this complaint with you. They also told me to call Social Security, XXXX, XXXX XXXX and XXXX
Consumer complaint received 2023-07-01
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX 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 account below : XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00}