davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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)

Equifax response does not meet the reporting requirements, they have increased the amount I actually owe in student loans due to their in accurate reporting of my student loan accounts. XXXX are NOW reported under XXXX  - instead of having each loan reported under XXXX correctly, Equifax has kept ONE XXXX  account which is already reporting under XXXX as it should. My actual balance owed is {$10000.00} as shown within the attachment uploaded, which Equifax has refused to review. Equifax is reporting I owe {$13000.00}. The duplicate loan reported is highlighted in red and must be removed.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  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 2022-09-10
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: Experian Information Solutions Inc. (FL)

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. 

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # I demand Experian to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from Experian, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

My identification is enclosed
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

The unverified accounts below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 Credit Bureaus if they did not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00}.
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. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries to be removed : 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Some accounts were not being accurately reported on my report I called around XX/XX/2023 to have the correct information corrected and no action was taken. I could not access my credit report around XX/XX/2023 due to identification issues. I had sent the requested identification to update the record and recieve a copy of my credit report via the mail and did not see any change for a couple of months. And now I do not see anything on my credit report from this company.
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. (VA)

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.

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 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (MN)

I am having an issue of opening up a checking and savings account with Axos Bank. Axos Bank is refusing to open up and any accounts for me due to a previous account which I was a victim of identity theft and a previous bankruptcy on my XXXX XXXX, XXXX XXXX, XXXX, and XXXX credit report. Axos Bank is discriminating against me based on my previous account, bankruptcy, race and income. Axos Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** 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 fo In addition to these sections, the following provisions of the FCRA also support my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

XXXX. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from my credit report.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

Hi, i have a XXXX Citi credit card. 
I noticed that Citi charged me an interest fee for carrying a balance between billing periods. I understand that i should be charged interest for carrying a balance, BUT I was charged interest based AVG DAILY BALANCE ( e.g. {$4000.00} ) in period. NOT my ACTUAL carry-over balance ( {$700.00} ) in period, which was for XXXX days. 

This is a scam to steal money from customers. OVERCHARGING interest by applying avg balance totals and no on actual carry-over totals. Citi has been doing this for decades. I thought they would have fixed this by now. Citi has been in business for decades and if they can not fix thier legacy systems to calculate interest on a current/remaining balance based on the actual transaction date, then they should not be in business. 


called Citi XXXX -- -- -- -- -- -- -- XXXX XXXX period is ... XXXX - XXXX. 
payment due date is XXXX XXXX statement balance {$10000.00} payments made : XX/XX/XXXX {$950.00} ( sent XXXX ) XX/XX/XXXX {$3000.00} ( sent XXXX ) XXXX ( previous period ) carry-over balance was only {$1700.00} Interest fee charged XX/XX/XXXX : {$77.00} Interest charge based AVG DAILY BALANCE ( e.g. {$10000.00} ) in period. NOT my ACTUAL carry-over balance ( {$1700.00} ) in period. 

Citi agreed to waive this interest fee. 


called Citi XX/XX/XXXX -- -- -- -- -- -- -- - XXXX XXXX period is ... XXXX - XXXX. 
payment due date is XXXX XXXX statement balance {$4100.00} payments : XXXX XXXX {$2900.00} ( sent ) XX/XX/XXXX {$9000.00} ( sent XXXX ) XXXX ( previous period ) carry-over balance was only {$710.00} ( from XXXX XXXX, XXXX days ) Interest fee charged XX/XX/XXXX : {$86.00} Interest charge based XXXX XXXX XXXX ( e.g. {$4100.00} ) in period. NOT my ACTUAL carry-over balance ( {$710.00} ) in period.
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

Over the last year I have lost approximately {$3000.00} to fraudulent use of my Wells Fargo Debit Card. I have initiated three separate investigations and ordered three new debit cards and each one has been hacked and money stolen. Each investigation has concluded that no fraud is involved and basically I am a liar and a thief. The last debit card was shipped to me at the end of XXXX this year. I changed my user name, password and PIN number. Yesterday at XXXX someone attempted to withdraw {$21.00} from my account from an ATM three hours from where I live. Fortunately I have my card turned off so the transaction was denied. I called Wells Fargo yesterday and they were apologetic but they still stand by the results of their investigation that I am the one responsible. I am a senior citizen supporting my XXXX wife on my Social Security check. I dont know where to turn or what to do. Please help.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I received an email from Bank of America that an account had been opened in my name. I did not open any accounts. I tried to contact someone from Bank of America but they were unable to help. On XX/XX/XXXX I received an additional email from Bank of America about the addition of a new XXXX contact. And also on XX/XX/XXXX an email from Bank of America about suspicious debit card activity. I spent hours on the phone just to find out that a fraudulent account had been opened using my SSN.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a complaint through CFPB last month regarding a late payment listed on my credit report. I received a response from capital one that their records show that there are NO late payments on my account ( see attachment ). 

However, on my report, you can see that XXXX is showing a 30 day late payment on my record. ( Also attached )
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (WI)

This Company is reporting fraudulent information on my account it has the wrong addresses social security numbers names Ive check on annual credit report and seem inaccurate information code USC 15 1681 supports my concerns that agencies should report accurate information I checked all credit bureaus that this company is reporting false information can you check into this matter please
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. (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 4 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 The 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 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Gemini Direct LLC, dba Credit Innovation Group (CA)

Credit Innovations Group I saw an advertisement for fha loans bad credit no problem. When I called the phone number I spoke to someone named XXXX. I told XXXX that I wanted to rent to own. I told XXXX that I was now in a XXXX XXXX XXXX XXXX XXXX after over 30 years of homelessness and injustice. For over 30 years I had been told there was no permanent housing for the homeless due to overcrowding on the waitlist. I also informed XXXX that I am an ongoing victim XXXX  XXXX XXXX XXXX XXXX and that I needed permanent housing to end that vulnerability. Finally, I asked XXXX how much. He told me XXXX per month for a membership. XXXX failed to tell me about an additional XXXX hold on my bank card in the same month he also failed to tell me about reoccurring charges of XXXX per month. To add insult to injury XXXX also failed to tell me that there were no guarantees of permanent home ownership. But for this information I never would have signed a contract. What XXXX did succeed at was assisting credit Innovation into scamming me out of almost XXXX. XXXX didnt fail to ask me for my banks routing numbers. Blessedly I didnt know what they were. 
I have a very important annual that is due at the end of the month. The XXXX hold is the reason I couldnt pay that bill. 



Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX email XXXX XXXX www.creditinnovationgroup.com My Schedule : XXXX XXXX XXXX Do you have friends and family who might benefit from our services? Ask me for your personal referral code and my personal referral phone number. I'll take great care of them and I'll credit your XXXX XXXX {$50.00} for every person who makes their first XXXX XXXX payment. 



All information in this communication, including attachments, is strictly confidential and intended solely for delivery to and authorized use by the addressee ( s ) identified above, and may contain privileged, confidential information entitled to protection and exempt from disclosure under state law. If you are not the intended recipient, please take notice that any use, distribution or copying of this communication, and any action taken or omitted in reliance upon this transmission, is unauthorized by the sender and will be considered unlawful. If you have received this communication in error, please notify the sender and delete this communication from your computer. Credit Innovations Group, is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Credit Innovations Group, provides a membership and monitoring service, therefore, is licensed as a CRA, as defined under Section 600 of CFR ( 15 USC 1681 ).