davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

To Whom It May Concern, I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to their failure to address my identity theft report and subsequent identity theft information block request. This complaint is in reference to my previous complaint filed with the CFPB on XX/XX/2023, which was received and opened on XX/XX/2023. The reference number for that complaint is XXXX On XX/XX/2023, I submitted an identity theft report to Equifax, along with all necessary documentation, as required by law. This report was in accordance with 15 U.S. Code 1681c2, which mandates that a consumer reporting agency must block the reporting of information resulting from alleged identity theft within four business days of receiving appropriate proof of identity, an identity theft report, identification of the disputed information, and a statement by the consumer confirming the information 's inaccuracy. 

As of the current date, XX/XX/2023, it has been well over the four-day threshold, and Equifax has failed to fulfill their legal obligation to block the disputed information from my consumer report. Furthermore, Equifax has not provided any investigation details or indications on my consumer report that the alleged accounts are in dispute, as required by law.

This prolonged delay and the lack of cooperation from Equifax have caused me significant stress and mental strain. I firmly believe that Equifax is taking advantage of my situation and violating my consumer rights. The FCRA was enacted by Congress to safeguard consumers from the actions of private companies that neglect their duties and responsibilities. Equifax 's failure to comply with the FCRA has not only caused undue hardship but also undermines the very purpose of this legislation.

I have raised multiple complaints regarding Equifax 's conduct to the Consumer Financial Protection Bureau, and I implore you to take appropriate action against Equifax for their blatant disregard of consumer rights and federal law. Equifax 's actions, or lack thereof, have not only exposed their non-compliance but also demonstrated a lack of accountability for their role as a consumer reporting agency.

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and holds Equifax accountable for their actions. Immediate corrective measures are necessary to ensure that my consumer rights are protected, and that Equifax fulfills its obligations under the FCRA without further delay.

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify this situation and ensure that Equifax adheres to the laws that govern its operations.
Consumer complaint received 2023-06-16
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)

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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance XXXX
Consumer complaint received 2023-01-25
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. (WA)

I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX XXXX XXXX XXXX  XXXX XXXX Both of these accounts are showing misleading info and needs to be updated
Consumer complaint received 2023-04-19
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. (CA)

I received a response letter that says I am being represented by a credit repair company and they are requesting a copy of documents. I am not being presented by a credit repair company and I will attach all the necessary documents needed here. Here are the accounts I disputed : 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
Consumer complaint received 2023-08-23
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. (GA)

XXXX XXXX : Reference number XXXX XXXX filing date XX/XX/2019. Reporting this false information violates my rights. Based on Equifax themselves they stated they verified this account from a third party XXXX, I have included a letter from XXXX from a couple years ago stating they have removed this from their reporting as it was an error. Equifax has refused to remove it from their reporting even though they stated they verified the information from XXXX whom stated they removed it from their report a couple years ago. Equifax is violating my rights by reporting false information that they stated they verified from XXXX which is a lie as this is not on my XXXX. I have included the letter from XXXX of the removal and I have included information from Equifax of them stating they got this information from XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THIS IS THE LAST WARNING. BEFORE I TAKE LEGAL ACTION NEXT.
Consumer complaint received 2023-08-23
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. (FL)

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.

has violated my rights. Or 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 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I paid for all my hospital bill. I had autopay and Ive checked my bank statements and it was taken each month out of my bank. I got a letter saying from debt collector that I owe {$970.00}, but I never got a bill from XXXX  XXXX XXXX that I still owe.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Dear CFPB, I am writing to bring to your attention an unresolved issue I've faced involving a banking transaction between Citizens Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I believe this matter not only impacts me personally but underscores the importance of transparent and effective transactional practices among financial institutions. Brief Description of the Incident : On XXXX, I initiated two transactions to transfer funds into new accounts I had opened at Citizens Bank. One of these transactions involved transferring {$500.00} from my XXXX  account to a new checking account at Citizens Bank, and the other was a transfer of {$500.00} from my XXXX Saving account ( provided by XXXX XXXX XXXX XXXX ) to a new savings account at Citizens Bank. Shortly after, Citizens Bank terminated my accounts and notified me via email that my transactions were unsuccessful. While I received the refund from the checking account transfer ( from XXXX ), the {$500.00} from the XXXX Saving account has yet to be refunded. Despite multiple communications with both Citizens Bank and XXXX XXXX XXXX, the whereabouts of the {$500.00} remains unresolved. Actions Taken : I visited a local branch of Citizens Bank, where I was informed that the money had been withdrawn from Citizens and should be in XXXX XXXX XXXX. Upon contacting XXXX XXXX, I was advised to wait several more days. After waiting for over 14 business days, I still hadn't received my refund. XXXX XXXX requested more information to verify the transaction. I procured an ACH trace number from Citizens Bank to track the transaction and provided it to XXXX XXXX. However, they reported that they couldn't find any information related to this trace number. Despite my best efforts to resolve this issue directly with both banks, the money remains unaccounted for, and I am left in a state of financial and emotional distress. I am seeking the CFPB 's assistance in mediating this situation. I hope that with your intervention, I can recover the missing funds and that this incident can shed light on any procedural shortcomings that may exist, ensuring that others do not face similar challenges in the future. Thank you for your attention to this matter. I trust in the CFPB 's commitment to ensuring fairness and transparency in financial matters and eagerly await your guidance.
Consumer complaint received 2023-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23 went out with friends. The total was {$52.00} + {$8.00} tip. Total= {$60.00} penned as such for 4 days. On XX/XX/23 got an overdraft fee alert several at once. Looked at my account and {$600.00} was charged. So I contacted fraud/ claims department at my bank Truist. Made a claim was told to contact that business to send me receipt. The manager emailed it to me asap and apologized and said to have my bank reverse the difference which would be {$540.00} I called back to my bank fraud department and was given website that doesn't accept external emails. Called back was given a bogus website again. This was just a simple case of the decimal point in the wrong spot. After failed attempts to submit my receipt I left work early and went to the bank in person. An agent there submitted my receipt as I was told by claims department I only had 48 hours to do so. I also asked for all my overdraft fees to be waived from this misfortune. I was assured by them this would be resolved. In the meantime they closed the case saying I authorized that amount when I provided receipts and emails from establishment as asked. The bank kept my entire direct deposit for overdraft fees even though I was assured this would be handled. I returned to the bank yesterday and filed another claim on this continuing problem. Claims department even gave bank management wrong email to resubmit my claim and proof. She had to make several calls herself. I then went back to establishment to talk to manager as advised and she refunded the difference. Went back to bank and was told to not deposit it to hold it due to claim. Please help.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

It all started when I received a notification on XX/XX/2023 because my profile information on my XXXX account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted XXXX about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my XXXX account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with Equifax on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX I believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called Equifax on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (DE)

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )
Consumer complaint received 2023-08-22
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)

Hello, Equifax continues to violate FCRA and many other federal and state laws. 
The Eleventh Circuit Court of Appeals has held that a consumer reporting agency like Equifax violates section 1681 i ( a ) ( l ) if it fails to do a reasonable reinvestigation when a consumer disputes " information contained in his file. '' Collins v. Experian Info. Sol 's , Inc., 775, F.3d XXXX, 1335 ( 11th Cir. 2015 ) ( " [ a ] file is simply the information retained by the consumer reporting agency. " ). 
I submitted a dispute on XXXX for XXXX XXXX  Acct # XXXX and inquiries. Equifax provided dispute results XXXX ( 5 days later ), stating acct was verified as accurate. Is that possible? Was a reasonable investigation done? 
I filed a dispute on XXXX for XXXX XXXX  Acct # XXXX and inquiries, dispute results were ready XXXX ( 3 days later ) acct verified as belonging to me. Is that possible? Was a reasonable investigation done? 
The FCRA is intended " to protect consumers from the transmission of inaccurate information about them, and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner. '' Cortez v. Trans Union , LLC, 617 F.3d 688_, 706 ( 3d Cir. 2010 ). Despite the dispute Equifax received from me, Equifax has completely abdicated its obligations under federal and state law and has instead chosen to merely " parrot '' whatever its customer states. Equifax 's failure to investigate disputed account information is a result of its standard policies and practices adopted in reckless disregard of consumers ' rights under the FCRA.
Consumer complaint received 2023-08-22
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: U.S. BANCORP (IL)

I bought a XXXX XXXX on XX/XX/XXXX from XXXX XXXX for XXXX The TVs motherboard melted down on XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, this took over a week. 
I called XXXX XXXX and wanted the TV replaced with another TV, they denied me and stated their extra warranty doesnt begin until XX/XX/XXXX and until then I have to resolve any issues with XXXX XXXX 

Repair man replaced the motherboard and the TV booted up again. 

The TVs motherboard melted down again on or about XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, again, this took over a week. 

Anybody by now would think they have a lemon, Im positive I have a lemon but I thought I was stuck with no recourse. I then thought that if I contacted the credit card company, Elan Financial under Fidelity, I called and placed a billing dispute asking for a credit for XXXX to my card and either have them come pick up the TV or I would be happy to take it back to whomever. 

Elan Financial took my dispute complaint and followed up with a letter asking for more details, I called to give them details and also returned their letter with the same info. Not too long after this they sent me a check for XXXX. 

I ASSUMED THEY FOUND IN MY FAVOR AFTER THEIR INVESTIGATION Anyone awake would make the same assumption but on XX/XX/XXXX they sent me a letter stating under the fair billing credit billing act if I believe there's an error in my bill I have to respond within 60 days I contacted them as soon as the TV melted down because there was no way I could have guessed ahead of time that it would melt down on me. 

And why dont their Reps know this simple 60-day rule? Why did they string me along and act as if I had a legitimate complaint? Their Reps should say its been so many days so you cant place a billing dispute? 
And of all mismanaged things, why would they send me a check? 

I called to ask the above questions and the Reps read off a bunch of legal speak and said to me that even though the Reps know about the 60-day rule, they must take a complaint. And still, why do they send a check leading me to believe they found it in my favor?

This stinks so bad that Im sure they XXXX XXXX on their end and are using legal jargon against me, they should be punished for sending me a check. 

The TV manages to work. I told them this. I told them I do not want free stuff but who would feel secure that the TV wont meltdown again? Im just waiting for the 3rd meltdown to occur. You would feel the same way. 

I had to put the XXXX on another card because I don't have almost XXXX extra floating around, they are a huge bank and to them this glaring mismanagement is causing me financial hardship.
Consumer complaint received 2023-06-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX Balance Owed : {$9600.00}