davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (FL)

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, Equifax, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the XXXX XXXX XXXX being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all XXXX bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report to help clear my file. alot of data is not 100 % valid. this is hindering my file. please review an an correct my report asap. all data invalid is in the files.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : XXXX, XX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022, I received a {$8000.00} credit to my Bank of America Cash Rewards general purpose credit card account due to a returned purchase. 

I immediately contacted BofA customer service and requested that they refund the credit balance to my BofA checking account so that I could use the {$8000.00} for other expenses. 

They promised me that I would receive my refund in 7-14 business days. 

However, as of XX/XX/2022, 48 days later, I have still not received my credit balance refund. 

I have contacted them 3 times about the same matter. 

I believe that BofA has been highly delinquent in addressing this credit balance refund request and must be held accountable for not returning money to a customer in a timely manner. This is a substantial amount of money and not returning it quickly could cause financial harm.
Consumer complaint received 2022-11-03
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)

all three reporting agencies XXXX, Equifax, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Consumer complaint received 2024-04-05
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. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, XXXX is reporting a paid status while Equifax is reporting the status as derogatory which further tells me that an investigation was not done. XXXX has since removed this account. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-10
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. (GA)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2023-08-30
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. (MD)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TN)

I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. 

I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

Last year I was randomly blocked from signing into my PNC account. I had a pending wire for XXXX $ that never arrived to the recipient ( XXXX XXXX XXXX ). I had wired money to XXXX  many times with no issue. 

At this point they have NOT released the funds that were left in my account ( XXXX $ from the wire that never went through ). I STILL receive emails from PNC every day stating that I have a low balance of XXXX XXXX this is because PNC XXXX  out my account and to this point ( over a year later ) has not given me an explanation as to why my account was closed OR when I will receive my funds. 

I have visited PNC bank in person and spoken with a banker. Even they tell me they are unable to help me. 

Are banks allowed to take my money and hold it for years without giving me any reason for doing so? 


Ive attached a screenshot of the email I continue to receive DAILY.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing due to the Non-compliance of XXXX and Equifax credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my multiple endeavors 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, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX ; XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX  XX/XX/2022 2022
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC (KS)

Livingston financial LLC sent me a letter stating I owe over XXXX for some debt back in XXXX. Stated debt renewed in XXXX and again in XXXX. I've never been notified of this and have no idea what debt they're referring to. It's been XXXX  years and built a lot of interest without any notifications. I need paperwork proving the debt owed and if it is my debt I'd like to resolve it minus all the added interest because I was never notified all these years. Please remove from collections.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

XXXX on XX/XX/XXXX removed credit line with XXXX XXXX  AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (NV)

I got notification through my bank about negative activity on my credit report this morning. This is the first I known about this debt. I received no communication in regards to this. I called the third party collection agency, and my address they have on file is incorrect and they stated they called me on XXXX at XXXX I pulled my phone records for that day and I received no calls from the numbers they provided. I asked to speak to the manager his name was XXXX would not provide last name. I asked him that I could email him my utility bill as well as phone records for that day. He was not pleasant and said it would not make a difference. I asked him to pull the phone call if they are recorded and said I would have to subpoena it. I did some research and it was a medical bill for {$98.00} and they charged additional {$100.00} to collect the debt with recurring interest. The medical office also had incorrect address on file. I was never aware of this bill. Its not my character to neglect my bills. I have perfect credit and never missed a payment for the last 25 years. This third party collection agency is unreasonable. 
Companys name Plus Four Inc 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: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-11-11
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: DISCOVER BANK (ID)

Refundable deposit of {$3000.00} paid on XX/XX/2023 to XXXX XXXX on our Discover card. 
Instead of contacting the vendor in XXXX for the refund, we filed a dispute with Discover to recover the funds. We supplied the refund letter from XXXX XXXX. Discover issued a temp credit to our card and contacted the vendor. 
Discover received validation of the charge from XXXX XXXX and denied our refund request. They posted the amount and interest back to our card. 
We contacted XXXX XXXX directly to obtain the refund. They agreed to issue it but then said they could not access the funds because Discover had refunded the money. 
I corresponded back and forth between Discover and XXXX XXXX  for months being denied by each one. They are pointing fingers back and forth saying each one has the money to refund. 
Discover said I need to get a statement saying that the funds would be refunded back to the same Discover card instead of the refund letter that I had. 
We sent a statement from XXXX XXXX saying the moneys were refundable back to the Discover card used for payment but Discover is still not accepting this. 
We have been charged approximately $ XXXX in interest thus far.
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

To : XXXX and Experian According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from XXXX and Experian- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX  and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.