davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (KY)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX
Consumer complaint received 2023-05-23
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I requested a XXXX balance transfer with Capital One. The agreement included a 3 % Transaction fee and 12 months at zero percent interest. As of XX/XX/XXXX Capital One began charging interest at 19.99 %. I noticed this on my XXXX Statement and contacted them on Friday XX/XX/XXXX. My call was escalated to a supervisor who then opened a case and gave me a case #. Today, I was contacted by a rep who stated that the agreement somehow dates back to when the card was originally issued and therefore the zero percent interest ended on XX/XX/XXXX. I have been told that they are keeping the XXXX transaction fee and the XXXX rate. Requests for a supervisor over that rep were rebuffed. They have also refused to provide a copy of the balance transfer agreement. I further tried calling customer service and speaking with a supervisor there who also stated nothing further could be done and who also could not provide a copy of the agreement.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

All the Credit agencies have reported a Bancruptcy on my personal area of my credit report. 
According to the law 15 US Code 1681 FCRA I wrote to the Bancruptcy Court and they wrote me back saying they do Not Report Bankruptcy.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: WELLS FARGO & COMPANY (NJ)

I was using a lawyer named XXXX XXXX XXXX who was not responding to my phone calls, and texts. He also did not show up to court. I complained to the Judge XXXX XXXX of XXXX New Jersey who agreed that the lawyer had abandoned the case and allowed me to fire the lawyer and seek council ... I paid him {$2000.00} of which I used my Wells Fargo debit card to pay him {$1000.00} of the {$2000.00} ... After he was fired I demanded that he return my money in full and he ignored me... I subsequently made a credit dispute with Wells Fargo on the amount of {$1000.00} and they rejected the dispute. I asked Wells Fargo what kind of investigation they did and what evidence that the lawyer provided that refuted my claim and they told me that the Wells Fargo policy was not to release any information on the investigation. This is a farce... Wells Fargo has since removed the details of the dispute from my account and will not give me access to my old statements trying to make it disappear. I have subsequently found out that Wells Fargo did not even reach out to XXXX XXXX XXXX and will not answer my questions of what type of evidence they had to make the decision ... I want to see their file on how they made their decision because it is obvious that Wells Fargo did not do an investigation and arbitrarily without any reason rejected my dispute
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CULLEN/FROST BANKERS, INC. (TX)

I would like to file a XXXX discrimination complaint against Frost Bank. My company, XXXX XXXX XXXX XXXX XXXX received a loan for {$50000.00} on XX/XX/XXXX. When the XXXX XXXX started in XXXX, representatives from Frost Bank did not inform me of any programs that were available for small businesses. I continued to pay loan interest payments until XX/XX/XXXX when the interests payments more than doubled. After I learned about federal programs to assist small businesses during the XXXX XXXX, I asked several representatives from Frost why they did not inform me about the assistance programs. I spoke to XXXX XXXX from Frost several times about why Frost refused to inform me about opportunities that the federal government had to assist small businesses. I was never offered any assistance from Frost or information from them about any governmental programs. There were reports in XXXX XXXX that XXXX business owners like me were intentionally excluded from federal programs by bank officers. I am an XXXX American woman, and no one at Frost Bank informed me of any assistance programs from the government, nor did they offer any institutional assistance programs to me. 

Frost Bank discriminated against me because of my race by withholding information from me that would have been extremely beneficial to my business ' survival. When I mentioned the programs to XXXX XXXX, the only response that I received from him was that he threatened to sue me if I did not make the loan payments.
Consumer complaint received 2023-08-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (OH)

I see there are some student loans reflecting on my credit score I dont know where these loans have come from and would like for them to be immediately removed from my credit score because it is affecting my credit score. Who ever it is that had this submitted to my credit report is also illegally doing so by law.

15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2023-08-10
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. (NY)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-19
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Consumer complaint received 2023-05-19
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

XXXX, Equifax and XXXX have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX XXXX billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

Thank you, XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

to whom it concerns i deputed been over 30 day there is inaccuracy in my credit report. no results. or replay or changes. i sent letter out on XXXX XXXX XXXX knowing mail is slow but i ask to be removed. the collection agency. is progressive management XXXX $ not alot but not mine debt. original debt creditor is XXXX memorial hospital. this is a violation of my hipaa medical privacy or health privacy. if i had hospital visit i would used my insurance plan. i have a scan my id cards
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I paid my Comenity Children 's Place card to a XXXX balance, paying off the full balance XX/XX/2022. I also closed out my card due to being unhappy with business practices. In XX/XX/2022 I received a balance for {$4.00}. I explained my card had been inactive and there was no charges made on the card prior to closing it as it had been paid off. I was told it was resolved. After being notified of a late payment reporting to my credit report, I continued trying to resolve but refuses to pay since I did not owe anything. Fees would continue to pile up and continue to affect my credit so in XX/XX/2022 I agreed to pay a reduced amount with Comenity taking off a portion of the late fees just finally resolve the matter. I agreed to pay if they cleared balance and accurately updated credit report. I was told I would receive a letter that I could also send to credit bureau to with update. Not only did Comenity not update my credit report but in XXXX they once again started saying I owe them and attaching late fees. As this is predatory and a way to continue to get money, I refused to pay. Comenity had continued to not only damage my credit with the Children 's Place card but sent me to collections for a debt I don't owe. They also did this same thing with my XXXX account which also reported inaccurate late fees and refused to send me documentation that they erased the fees because I didn't owe so I can send it to the credit bureaus and they refused to send anything to the credit bureaus to delete inaccurate late payments.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-18
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. (FL)

Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, DOB, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX
Consumer complaint received 2020-07-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2024-03-18
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. (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
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I tried to make a purchase in-store at XXXX & XXXX ( XX/XX/2023 ) and VISA gift card was declined. I then tried to make a purchase on XXXX for {$100.00} ( XX/XX/2023 ) and card was again declined. 

I then tried to register my XXXX gift XXXX and was unable to do so. I called the hotline # and spoke to XXXX about it and was told I needed to submit a complaint online and upload photo documentation to resolve, which I had already attempted to do because there was no link to actually register the card on the website. 

I attempted to do so again and an error stated to " Contact hotline number to resolve issue '' It's an endless loop of declining any in-store purchases and any online purchases. There are hundreds and hundreds of complaints against this company for doing the exact same thing. They're stealing our money by declining our purchases and refusing to issue a refund or a new gift card. This is a scam company!
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have sent Equifax disputes letters on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX disputing this bankruptcy and I get no responses or even an updated credit report.
Consumer complaint received 2023-05-19
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. (NV)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.