davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (IL)

Please remove these hard Inquries as I did not authorized them : XXXX XXXX XXXX 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 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I find it perplexing to receive reports of late payment remarks on my accounts. Additionally, according to 15 USC 1666b - Billing Error, corrections should be made for any billing errors.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/23 we sent a check to XXXX XXXX for payment of cars for {$74000.00}. That check was fraudulently cashed by a company and I do not have that $ $ back in my account. I sent a replacement check to XXXX XXXX on or about XX/XX/23 and that check was also fraudulently changed to a different payee and cashed by a XXXX XXXX. We realized this check was fraud and contacted our bank representative XXXX and customer service immediately. We were told they would issue a stop payment on this check and assured us this check would not be cashed and there was nothing additional we needed to do on our side. The next day this check cleared our account as Bank of America issued a stop payment on the wrong check. We were told by Bank of America that now we need to file a fraud claim on this check and it wound take up to 90 business days to get our $ back in our account.
Consumer complaint received 2023-06-07
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
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 XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.
Consumer complaint received 2023-11-05
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

Oh my goodness where to start. My husband and I booked a hotel for XXXX, XXXX as part of our honeymoon from XX/XX/XXXX to XX/XX/2023. The hotel is called XXXX XXXX. We booked the hotel on XX/XX/2023 it was for 2 nights, 1 room, and it was going to be my husband, myself, my best friend, and my best friends boyfriend who were going to stay at in the same room. The total came out to {$750.00}, however, we were not charged the amount until we checked into our hotel on XX/XX/XXXX. We got to the hotel at approximately XXXX XXXX. The four of us were all exhausted, so we just checked in handed the front desk my American Express platinum card, and our passports, and then went to our room. We put our bags down on the floor then the four of us decided to take a nap, about 30 minutes into our nap my husband wakes up and says ow something had bit him on the arm, I go over to look at his arm and it looks like a bug had bit him. We immediately started searching the beds in the room and sure enough we saw one bed  bug  under the mattress. We also saw dried up blood spots all on the mattress. I took a picture of my husbands arm and of the dried up blood spots. We started looking for other hotels and luckily found an XXXX  not far away. We got our bags and as we were leaving the gentleman who checked us in asked us where are we going? My husband told him that he got bit by a bed bug, but the gentleman assured him it was just a mosquito bite. The gentleman asked my husband to show him where he found the bed bug and the dried up blood spots, the gentleman went to the room but literally just swiped at the bed sheet and did not do a thorough check. The gentleman ended up charging us the full amount even though we were at the hotel for a total of less than an hour. We ended up filing a dispute with American Express and explained the whole situation to them and provided the pictures of my husbands bed bug bite on his arm, and of the dried up blood spots on the mattress. Initially Amex sided with XXXX XXXX until we provided all the information. Then Amex sided with us. But then on XX/XX/XXXX  I see the charge of {$750.00} show back on my Amex Platinum statement. On XX/XX/XXXX  I call Amex customer support saying why was the charge posted again and they said because XXXX XXXX did not agree with the dispute. I asked to speak with a manager and they said for me to call the Amex Travel Insurance support, since apparently Amex Customer Support did not want to deal with my dispute anymore, they said there was nothing they could do anymore and I would have to pay the charge, pretty much telling me to XXXX off.
Consumer complaint received 2023-09-04
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (NY)

I contacted Bridgecrest Bank to request that we work out a satisfactory solution regarding the charged off account from XX/XX/2022 on XXXX separate occasions. 
Bridgecrest Bank has stated that they will not enter into any payment arrangement in regards to this account. 
Bridgecrest Bank has stated that they will not provide any written correspondence or statement regarding the denial of a payment plan. 
Bridgecrest Bank stated they would only converse about the account verbally.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XX/XX/year> I requested that all XXXX bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

-XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I sent a certified letter to Experian requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to protect my rights as a consumer.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts 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 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 2023-12-29
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX XXXX : XXXX Dispute with XXXX  XXXX XXXX billed on XX/XX/XXXX for {$160.00}. 

No evidence of why the bill was incurred. Copy of office lease provided to documents team at Disputes at Capital One on XXXX  XX/XX/XXXX. Additional XXXX  of the parking lot provided to Capital One on XX/XX/XXXX proving NO SIGNAGE on lot premises of any violation. The vehicle was parked on the left side in photos.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have been trying to obtain a mortgage with my spouse. He has not had issues, but when the Mortgage Company and XXXX XXXX XXXX we paid tried to get my Equifax credit report it is showing blank and Equifax is not reporting anything for me. 
I have spoken to my current mortgage lender and credit card lenders and they all say Equifax refuses to score or release my report. 
After XXXX different phone calls to them and being told there is NO hold, Freeze or anything wrong they see no issue, The XXXX phone call on XX/XX/24 an agent with Equifax told me they need again to verify my information every 3 months to prove my identity. I have been going rounds with this issue the last 3 years everytime I need to apply for insurance, credit of any type or life insurance they do this. I have not asked them to Freeze my credit, I have submitted my Drivers License and Social Security Card to them numerous times, I have lived in the same home for 11 years, Had the same exact XXXX jobs for the last XXXX years. My life is boring, I have not been a victim financially of anything thank XXXX. I would like to have my credit unfrozen of which they took the liberty of doing without my permission and some sort of apology for them playing games with my credit. This is unfair practicing and this is not the first time I have heard this. Their answer to me was to drive to XXXX, Ga to the walk up window with my Drivers License. I would clearly like an explanation why this is happening to me???
Consumer complaint received 2023-11-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: GLOBAL CREDIT UNION (AK)

I was trying to apply for a personal loan found a loan company XXXX XXXX. They sent me documents through docusign and things looked legitimate. Then XXXX XXXX starting asking to go to XXXX and purchase XXXX XXXX. 
On XXXX/XXXX/2033 XXXX {$490.00} XXXX {$460.00} XXXX {$460.00} So I did the purchases. Then next day he asked to get XXXX more for {$500.00} when I went to XXXX to do the purchase I was told I can only purchase XXXX a day. Well XXXX allowed me to purchase XXXX. So thinking something wasnt right I called my bank and they believed it to be a scam. I closed down that account open a new one, but was told by Global Credit Union that I owed them around {$3000.00}. I checked all the cards balances all but one was already at a XXXX balance. I cant transfer monies from the card to the bank so it no use to the back. How can I get my monies back.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and fraudulent charges and fraudulent charges and refuses to accept responsibility for the illegal unauthorized fraudulent charges and has not sent statements of all the accounts in 2019 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (CA)

The following company has placed 4 inquires on my credit report, I DID NOT AUTHORIZE THESE INQUIRES. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt