davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (AZ)

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX  XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It's been well over XXXX days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, XXXX have XXXX days to respond to my dispute. 

This violation of my rights.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am again attempting to have public records removed from my credit report. I have several fraudulent XXXX  XXXX Bankruptcies reporting to my credit profile. With multiple attempts with Equifax, asking them to remove unverifiable public records. They refuse to do so. My last resort is to take this situation to Federal Court for damages. I sent documents several times as they requested and still no help. I am in the process of buying a home and my financial character is in questioned by Equifax.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to advise I have been a victim of identity theft for the following account XXXX BANK XXXX, XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Consumer complaint received 2022-11-21
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)

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 

Furthermore, I do not live at the address which is being disputed. 
I have included proof of my current address.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (GA)

Under 15 USC 1692c ( c ), it is explicitly stated that upon the consumer 's notification to a debt collector of their refusal to pay debt, the debt collector must cease all communication. As such, I am exercising my right to request that all communication, whether in writing or by phone, cease with immediate effect.
Consumer complaint received 2023-05-31
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)

I've been trying to dispute some unauthorized inquiries in my Equifax Credit report. I have call several times, spoke with fraud department and they said to fax the dispute with a FTC ID Report and the unauthorized inquiries. I did it a few months ago and they never investigated. I did again over their website and they answer the same day saying that inquiries stays in your credit report foro 2 years. I already submitted the report with the FTC and Equifax won't do anything. They are violating my rights and the Fair Credit Reporting Act. If they don't delete those inquiries immediately we are sue Equifax. Everybody knows Equifax don't investigate and don't follow the law. They are also responsible for a lot of DATA Breach. 

Disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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. (AZ)

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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 an 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 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I requested information from the creditor and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2023-05-30
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. (IL)

After numerous attempts to inform Equifax that they are reporting fraudulent and outdated account on my credit report and after sending proof of identity theft along with the report they still failed to correct my report, I also have brought to their attention that they are enabling the collection company to keep manipulating my credit report payment history and dates to ensure that it stays on my file, they did absolutely nothing to stop it and only picked two account on my identity theft report to correct even though they were notified by the other credit bureaus that it was removed due identity theft and inaccurate outdated reporting
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive paid off a collections account ( XXXX XXXX XXXX ) via TRANS UNION XX/XX/2022. Ive submitted proof to TRANS UNION proving Ive paid the balance, and attempted to send proof to XXXX XXXX XXXX, however each time I was unsuccessful reaching that company. in Conclusion, Despite the Proof and Multiple Phone conversations with TRANS UNION, thats been recorded on their end promising me to remove the account, the account to this day remains, affecting my Credit Score poorly, preventing me from buying a house for my family and I.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently filed for inaccurate reporting on my credit profile a couple of months ago. I have not received any notification or esults and its been over 45 days.
Consumer complaint received 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I had an account that was paid off and closed, but instead it is reflecting only closed with no payoff information or balance update. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate for discrepancies in pay off date and ending balance as well as improper reporting procedure. If proof can't be provided I demand this account be deleted off my credit report. Thanks
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

My Barclays XXXX credit card was charged interest of {$1.00} for the statement period XX/XX/XXXX - XX/XX/XXXX. Per the attached billing statement, the previous balance as of XX/XX/XXXX was {$570.00}. Per the statement, Payments of {$640.00} were made so, the balance was paid in FULL plus and EXCESS of {$67.00} but, interest was still charged. 

Additionally, on my Barclays Upromise credit card statement for the period XX/XX/XXXX - XX/XX/XXXX, interest of {$14.00} was charged tot he account. Per the attached statement, the previous balance as of XX/XX/XXXX was {$890.00}. Per the statement, Payments of {$1100.00} were made so the balance was paid in FULL plus and EXCESS of {$270.00} but, interest was still charged.

Barclays is clearly charging interest to customers on a regular basis and is not crediting the error UNLESS, the consumer contacts them to request the credit. This is an ongoing issue with the bank which has not been resolved since it is also occurring on another credit card which I have with Barclays, the XXXX XXXX AAdvantage credit card. 

They appear to be in violation of double-cycle billing which was banned in XXXX. 

" One Method That's Been Banned In years past, some credit card companies used a method known as double-cycle billing, which based its calculations on the customer 's average daily balance over the last two billing cycles. That sometimes resulted in cardholders paying interest on debt they had already paid off. The practice was banned by the Credit Card Accountability Responsibility and Disclosure Act of 2009, better known as the CARD Act. ''
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CA)

PHH Mortgage Acct. XXXX I've made three {$1000.00} Extra payments to go to my principal, along with my normal monthly payments. However when I look at my acct online the principal amounts have not really changed. I called an pointed this out, they said they will research and get back to me in 10 days. I think their processes need to be looked at. I believe there are ripping me & others off. XXXX
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that XXXX XXXX XXXX. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, you are required by law to remove & block 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 is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
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. (WI)

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX days.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

XX/XX/XXXX XXXX deposit a check I received from a client for the amount of {$11000.00}. There was a hold on the deposit until XX/XX/XXXX. Today my funds became available when I swipe my card it declined. XX/XX/XXXX I called customer service because I was having problems logging into my account and card issues. I was told my account was froze because suspect of fraud. Fast forward to today ( XX/XX/XXXX ) I have called XXXX more times and heard XXXX different answers and nothing is correct they are saying. There is no fraud and they know but they still wont release my funds. Saying an analyst has to take the hold off and it can take XXXX more days. This not fair at all